FHA Loan Affordability Calculator

Estimate how much home you may be able to buy with an FHA loan in Arizona or Texas. Enter your income, monthly debts, credit range, and down payment to see an estimated maximum purchase price, a full monthly payment breakdown — including the 1.75% upfront and roughly 0.55% annual FHA mortgage insurance — and your estimated debt-to-income ratio.

Results are estimates for educational purposes only and are not a loan offer, pre-approval, or commitment to lend. FHA requires a minimum 3.5% down payment with a 580 or higher credit score; scores of 500–579 require 10% down.

FHA Affordability Calculator

Estimate What You Can Afford with FHA

Enter your income, monthly debts, credit range, and down payment to see an estimated maximum purchase price, a full monthly payment breakdown with FHA mortgage insurance, and your estimated debt-to-income ratio. Estimates only — not a loan offer or commitment to lend.

Annual Household Income

Combined gross annual income before taxes

Total Monthly Debt Payments

Car loans, student loans, credit cards, etc. (not rent)

Down Payment (cash available)

FHA minimum is 3.5% of the price with a 580+ credit score

Estimated Credit Score

580+ → 3.5% down · 500–579 → 10% down · below 500 → ineligible

State

Used to estimate property taxes and insurance in your state

Ready to See If You Qualify?

Our quick qualifier quiz takes about two minutes and gives you a preliminary estimate of the FHA options that may fit your situation — not a commitment to lend.

Take the Qualifier Quiz Call (480) 420-4918

Tanner Cook, NMLS #2090424 | Zac Cook, NMLS #2111496
Cornerstone First Mortgage, LLC, NMLS #173855