Your Finances
Before taxes. Include all borrowers on the loan.
Car payments, student loans, credit card minimums, personal loans. Don't include rent or utilities.
30-year fixed rates are running roughly 6.4–6.6% as of mid-2026.
NJ's statewide effective rate averages roughly 2.2%, but it varies meaningfully by town — among the highest in the country.
Your Estimate
$0 Comfortable price range (28/36 rule — what most advisors recommend)
$0
Upper limit many lenders will approve (31/43 DTI) — approved isn't the same as comfortable.
Upper limit many lenders will approve (31/43 DTI) — approved isn't the same as comfortable.
Monthly housing budget$0
— Principal & interest$0
— Property taxes$0
— Insurance + HOA$0
Loan amount$0
Down payment$0
Down payment as % of price0%
This is a planning estimate based on standard 28/36 and 31/43 debt-to-income guidelines and a 30-year fixed loan.
Actual approval depends on credit score, loan program, reserves, and lender overlays — and what a lender approves
is often more than what's comfortable to live with. Not financial advice. Get a real pre-approval before house hunting.
Know your range? Here's the next step.
Take your price from above and run it through the Mortgage Calculator to see the full monthly payment with extra-payment scenarios, then estimate your cash-to-close with the Closing Cost Calculator.
When you're ready to look at homes, I'll match you with a proven buyer's agent in your target towns — screened on actual sales performance, at no cost to you.