A simple way to find your number before you shop, whether you pay cash or finance as a foreign national.
Start with a debt-to-income guide
Lenders look at how much of your monthly income goes to debt. A common guide keeps total debt near 36 percent of income, which sets a realistic ceiling for your payment. Our free affordability calculator runs this math for you in a minute.
Your down payment changes everything
A larger down payment lowers your loan and your monthly cost, and it matters even more for foreign-national loans, which usually ask for 30 to 40 percent down. Cash buyers set their own ceiling and skip the mortgage entirely.
Then talk to a lender and to us
A calculator is a starting point, not an approval. We connect you with lenders who work with international clients and help you shop in the right range. Try the tool, then send us your number and we take it from there.