How Much Can You Afford? | ROCA & Associates
ROCA & ASSOCIATES · CALIFORNIA
FREE AFFORDABILITY CALCULATOR

How much home
can you afford?

See your max purchase price across FHA, Conventional, and VA loans — based on real 2026 California loan limits.

YOUR NUMBERS
Gross Monthly Income$8,000
$3K$30K
Annual income ÷ 12. Use base salary before taxes. Bonuses and OT can count if 2-yr history.
Monthly Debt Payments$400
$0$3K
Car payments, credit card minimums, student loans, child support. Don't include rent or utilities.
Cash for Down Payment$25,000
$0$200K
Cash available for down payment + closing costs (~3% of price).
YOUR RESULTS · BY LOAN PROGRAM

Your max purchase price.

FHA Loan3.5% DOWN
$0
Calculating...
Est. payment: —
Loan: —
Conventional Loan5% DOWN
$0
Calculating...
Est. payment: —
Loan: —
VA Loan0% DOWN · VETERANS
$0
Calculating...
Est. payment: —
Loan: —
Estimates only. Based on 2026 FHA limits ($690K San Bernardino & Riverside Counties), conventional limit ($832,750), today's rates (FHA 5.625% · Conventional 6.125% · VA 5.750% as of May 12, 2026), 43% DTI for FHA / 45% for Conventional / 41% for VA, and 1.4% property tax + insurance. Rates subject to change daily. Your actual qualification depends on credit score, employment, income docs, and lender overlays. Real numbers come from a real conversation.
GET YOUR REAL PRE-APPROVAL

Want exact
numbers?

These are estimates. A real pre-approval factors in your credit, employment, and goals — and gives you something you can actually use to make an offer.

  • Real pre-approval letter in 24-48 hours
  • Rate quotes across all 3 loan programs
  • Honest answer if there's a better path for your situation
  • No credit pull required for the initial conversation
FREE · NO CREDIT PULL · NO OBLIGATION

Richard reaches out personally

Bilingual English/Spanish · NMLS #1894896 · DRE #02066666

Richard Ortiz · ROCA & Associates · NMLS #1894896 · DRE #02066666
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I'll text you within 24 hours with your real pre-approval options. Feel free to keep playing with the calculator above.
Want answers now? (909) 689-4440