This tool is for educational and informational purposes only. The results shown are estimates based on general DTI (debt-to-income) guidelines used by Fannie Mae, Freddie Mac, FHA, VA, and USDA. They do not constitute a loan approval, pre-qualification, pre-approval, or commitment to lend.

Actual loan eligibility is determined by a licensed lender and depends on a full credit review, verified income and asset documentation, employment history, debt obligations, property type, appraisal, lender-specific overlays, and current market conditions. Credit score ranges entered here are self-reported and are not pulled from any credit bureau.

Interest rates, loan limits, DTI thresholds, and program guidelines change frequently and may differ from what is reflected here. Property tax and insurance estimates used in the payment breakdown are approximations only — actual amounts vary significantly by property and location.

This calculator does not represent New American Funding, American Homes Realty Group, or any affiliated lender. No information submitted here is transmitted to any lender or third party. For an accurate assessment of what you qualify for, please contact Damien Ogden directly to begin the formal pre-approval process.

Damien Ogden — Licensed Mortgage Loan Officer NMLS #2263430 | New American Funding NMLS #6606 | Equal Housing Opportunity Lender.