What should I check before making an offer?

Verify taxes, insurance, HOA obligations, cash to close, inspection risks, and your walk-away payment before making an offer.

Can seller credits make a home more affordable?

Seller credits may cover eligible closing costs or fund a rate buydown, subject to loan-program and lender limits. Compare their monthly and upfront effects with your lender.

AFFORDABLEHOME.US

Instant clarity for every home buying decision.

Q: How much house can I afford?

Start with a sustainable monthly payment and include principal, interest, property taxes, homeowners insurance, mortgage insurance, and HOA dues.

Analyze any listing, decode your Loan Estimate, and see what you can truly afford — no jargon, in seconds.

Analyze a listing Decode a Loan Estimate Instant Help

Figures shown are estimates based on typical local data. Always verify taxes, insurance, HOA fees, and rates with official sources (county assessor, your insurer, HOA) for your exact property and situation. Rates as of June 25, 2026 (Freddie Mac PMMS) — verify current rates.

Start with where you are

One clear next step, not twenty tabs

Choose your stage. Every path is free, works without an account, and leads to a concrete buyer decision.

I have a price in mindCheck what the payment really costsModel principal, interest, taxes, insurance, and mortgage insurance before you tour.Run the free calculator → I found a homeTurn a listing into a buyer briefPaste the listing facts to estimate cash to close, compare loan types, and find negotiation levers.Analyze my listing → I am getting offer-readyBring a checklist to every decisionSet your payment ceiling, compare lender quotes, and write down your walk-away points.Open the free buyer packet →

API-free · instant

Listing Analyzer

Paste facts from any listing, upload OCR text, or enter quick assumptions to generate a full affordability card: monthly PITI, cash to close, debt-to-income, FHA vs Conventional comparison, negotiation scripts, and flood/radon risk linkouts. Every number is labeled user, derived, or assumption so you know exactly what to verify. Try the Listing Analyzer.

Plain-English documents

Loan Estimate & Document Explainer

Upload or paste a Loan Estimate, Closing Disclosure, or inspection summary and get an explain-like-I'm-5 breakdown, questions to ask your lender, a savings checklist, and red flags to watch — before you sign anything. Decode your document.

Scenario planning

Affordability Planner & AI Coach

Not a homeowner yet? Model down payment, rate, and credit-band scenarios, compare renting a room vs. a longer commute, and generate a personalized AI affordability plan for your budget. Plan what you can afford or get your AI coaching plan.

Read before you run the numbers

2026 Homebuyer Guides

Nine practical guides on the decisions that move your monthly payment, closing costs, and purchase risk: FHA vs. conventional loans, how to remove PMI, closing costs explained, debt-to-income ratio explained, first-time buyer assistance programs, mortgage rate locks explained, how much house can I afford, a home inspection checklist, and seller credits vs. a price reduction. Browse all guides or try the Affordability Calculator.

Free printable worksheet

Homebuyer offer-readiness packet

Use the no-signup packet to set a monthly-payment ceiling, verify taxes and insurance, compare Loan Estimates, and write down negotiation walk-away points. Open and print the free buyer packet; an optional, clearly disclosed partner-help path is available only when you request it.

Free guides

Guides & Library for first-time buyers

Practical, reassuring guides for 2026 budget buyers: FHA loans, mortgage insurance, closing costs, off-market offer letters, and accessible home ownership. Browse the guides or start learning.

Join the waitlist for new tools, or ask Instant Help AI about zoning, financing, ADU costs, or contractor outreach.