Mortgage Hub

Pre-approval estimator

What lenders will likely approve you for based on income, debt, credit, and down payment.

Your inputs

Results

Est. pre-approval
$422,400
Credit factor 0.95
Max monthly PITI
$2,660
Actual pre-approval depends on full documentation. Credit score 740+ unlocks best rates; 700 is the practical floor.

About this calculator

The pre-approval estimator calculator gives you a fast, realistic estimate using the same math the pros use. It runs entirely in your browser — nothing you enter is sent to a server.

Use the inputs above to match your exact situation. The result updates in real time.

How to use the result

Pre-Approval Estimator is one piece of the picture. The biggest gains usually come from shopping multiple lenders. Plug in different scenarios to see how sensitive the answer is to each assumption.

What this doesn't include

Every calculator here uses simplifying assumptions. Taxes, fees, and real-world friction can move the answer 10-30%. Use this as a starting point, not a final answer — and always verify with a qualified professional before making real decisions.

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