See if you qualify — free, 60-second check.
How much home can you afford on a VA or Texas Vet loan? Because these loans skip monthly mortgage insurance and often carry lower rates, your budget usually stretches further than it would with a conventional loan. Enter your income, debts, and rate to see an estimate.
Lenders look at your debt-to-income ratio — your monthly debts plus your new housing payment, divided by your gross monthly income. This calculator targets a total payment near 43% of income after your other debts, then works backward to a home price at your rate and down payment.
With no monthly PMI and competitive rates, more of every dollar goes toward the home itself instead of insurance. VA loans also use a 'residual income' test that's often more forgiving than conventional debt-to-income limits.
Your income and existing debts move the result the most, followed by the interest rate. Paying down a car loan or credit card before applying can raise your maximum price more than you'd expect.
Want your exact numbers? Use the free eligibility check at the top of this page and a licensed specialist will run them for you — no credit pull.
It depends on your income, debts, and rate, but VA borrowers often afford more than with conventional loans because there's no monthly PMI. Enter your numbers above for an estimate.
VA loans have no hard DTI cap, though ratios above 41–43% get extra scrutiny and rely more on residual income.
Yes. Tax-free disability compensation can often be 'grossed up,' which may increase the home price you qualify for.
Yes — a pre-approval confirms your real budget, makes your offers stronger, and speeds up closing.
On a VA loan you don't need one, but adding a down payment lowers your loan amount and funding fee, which can increase affordability.
Lower your other monthly debts, improve your credit for a better rate, or add a co-borrower's income where eligible.
Free, no-obligation. See what you qualify for in about a minute.