The results of the calculator are an estimate only. The estimate isn't an application for credit and results don't guarantee loan approval or denial. Calculator results do not reflect all loan types and are subject to program loan limits. Results are based on the inputs you enter. The mortgage you could afford depends on many factors, include your total monthly payment. Income, debt obligations, creditworthiness, down payment amount and other factors your lender amy consider You should review your personal situation to decide how much you can comfortably afford to borrow.