How much house can you comfortably buy?
A quick estimate based on your income, debts, and down payment — using the same 28/36 rule lenders start from. No credit pull, no sign-up.
Monthly payment
$2,800Your down payment may be smaller than you think.
There are programs that put money toward your down payment and closing costs — some forgiven entirely if you stay put. If any of these fit, we'd lower the down-payment slider above and your buying power goes up. Here are the big ones.
MHDC First Place
Up to 4%A below-market 30-year fixed loan with the option of a forgivable second mortgage — up to 4% of your loan amount toward down payment and closing costs. It's fully forgiven after 10 years in the home.
Learn more →MHDC Next Step
Up to 4%Built for buyers who aren't first-timers or land above First Place income limits. Same idea — a forgivable second mortgage up to 4% of the loan, forgiven over 10 years — with competitive fixed rates.
Learn more →Cash Assistance Grant
$2,000A straight grant — up to $2,000 you don't repay — toward closing costs, for qualifying first-time buyers whose household income falls under the program cap.
Learn more →Kansas City local funds
Up to $15KSeveral metro cities and counties layer their own assistance on top — Kansas City first-time buyers can qualify for up to $15,000 in some areas. Funding is limited and moves fast.
Learn more →A number's nice. A plan is better.
This estimate gets you in the ballpark. I'll connect you with a lender for a true pre-approval and start sending homes that fit — so you're ready to move when the right one shows up.
- →An intro to a local lender I trust
- →Homes in your range as they hit the market
- →Straight answers, zero pressure