Pick a home price and see roughly what income it may take to qualify.
No credit pull. No application. Just a useful starting point.
Los Angeles home prices, and the income it generally takes to qualify for each one. Pick how much you would put down.
Prices where 5% down keeps the loan at or below the LA County high-balance limit of $1,249,125.
These are estimates, not approval numbers. What you actually qualify for depends on your other debts, your credit, the property’s taxes and insurance, and the loan program you use.
5% down applies to loans at or below the LA County high-balance conforming limit of $1,249,125. Income assumes ~48% DTI. Payments include estimated property tax (~1.25%), homeowner’s insurance, and mortgage insurance. Actual qualification depends on credit, debt, and loan structure.
Income needed with 20% down across the full range. Purchases $4M and above require 25% down.
These are estimates, not approval numbers. What you actually qualify for depends on your other debts, your credit, the property’s taxes and insurance, and the loan program you use.
20% down for all price points. Purchases over $4M require 25% down. Loans above $1,249,125 are classified as Jumbo. Income assumes ~48% DTI for Conforming/High-Balance and ~45% DTI for Jumbo. Payments include estimated property tax (~1.25%) and homeowner’s insurance. Actual qualification depends on credit, debt, and loan structure.
Put in the price of the home you have in mind. We’ll show you roughly what income it takes to carry it.
Lenders generally allow around — of your monthly income before tax to go toward your housing payment and your other debt payments combined. That is the number the figure above works backwards from.
Based on a down payment of —, a — loan, and a 30-year fixed rate of — — taken live from the Today’s Rates page, the same source every calculator on this site uses. Los Angeles County, primary residence.
This is an estimate, not an approval. Your real number depends on your credit, your documented income, the specific property, and the loan program you end up using.
The calculator is a starting point. Send me your scenario and I’ll personally tell you what looks realistic.
I’ll take a look at your scenario and get back to you.
Two more calculators, and the full set of assumptions behind every figure on this page.
Loan amount amortized over 30 years at the program’s note rate = monthly principal & interest
1.25% × Purchase Price ÷ 12 = monthly property taxes
Estimated annual premium ÷ 12 = monthly homeowners insurance
Down payment and closing costs are shown separately. Estimated using Los Angeles County benchmarks from real LiveLendLA Loan Estimates and Closing Disclosures. Seller credits, lender credits, and your actual closing date will change the final figure.
Assumes Los Angeles County, a primary residence, and a 30-year fixed at today’s — — rate — drawn live from the Today’s Rates page. Qualifying uses a maximum debt-to-income ratio of — for that program. Estimates assume well-qualified borrowers. Text for personalized pricing.
Loan amount amortized over 30 years at the program’s note rate = monthly principal & interest
1.25% × Purchase Price ÷ 12 = monthly property taxes
Estimated annual premium ÷ 12 = monthly homeowners insurance
Assumes Los Angeles County, a primary residence, and a 30-year fixed at today’s — — rate — drawn live from the Today’s Rates page. Estimates assume well-qualified borrowers. Text for personalized pricing.