San Antonio Home Affordability Calculator

Hey, I’m Anthony Sharp with Sharp Realty Group TX. Enter your income, debts, down payment, and rates below to see the home price you can comfortably afford in San Antonio. These results are estimates—your lender will confirm the exact numbers.
 
Note: These figures are for planning. Always verify with a mortgage professional before making decisions.
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You can afford a home up to: $0
Your debt-to-income ratio is 36%
Quite affordable.
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Payment Breakdown：
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Key Terms to Understand

Before you run the numbers, brush up on these homebuying terms:

1

Gross Monthly Income

Your total pre-tax income each month—salary, bonuses, rental or investment income.

2

Monthly Debts

All recurring payments: car loans, student loans, credit cards, alimony, etc.

3

Debt-to-Income Ratio (DTI)

Your total monthly debts divided by gross monthly income—lenders use it to set borrowing limits.

4

Down Payment

The cash you put toward your home’s purchase price up front—larger down payments can lower your rate.

5

Interest Rate

The annual percentage your lender charges on the loan balance.

6

Loan Term

The number of years you agree to repay your loan—commonly 15 or 30 years.

7

Pre-Approval Amount

An estimate of the loan size a lender would likely approve based on your financial profile.

Terms You Should Know

Q1: What is gross monthly income? +

Your total pre-tax income each month, including salary, bonuses, and any rental or investment income.

Q2: How do I calculate my monthly debts? +

Add up all recurring payments: car loans, student loans, credit card minimums, alimony, and any other debts due monthly.

Q3: What’s my debt-to-income ratio (DTI)? +

DTI is your total monthly debts divided by your gross monthly income. Lenders use it to cap how much mortgage you can handle.

Q4: Why does my down payment matter? +

A larger down payment lowers your loan amount, may get you a better rate, and reduces or eliminates PMI requirements.

Q5: What is a pre-approval amount? +

An estimate of the loan size a lender would approve based on your credit, income, debts, and down-payment savings.

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