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Mortgage & Home Loans · Essentials & Buying a Home

Pre-Qualification Calculator

A quick pre-qualification estimate of the home price and loan a buyer can support.

  • Free to use here · embed on the Free plan
  • 8 inputs · 7 results
  • English & Spanish

Try the Pre-Qualification Calculator

Estimate what a buyer pre-qualifies for — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Pre-Qualification calculator works out

The Pre-Qualification Calculator is a free, embeddable calculator from CalcFunnel. A quick pre-qualification estimate of the home price and loan a buyer can support.

You enter 8 inputs: annual income, monthly debt payments, down payment, interest rate (%), loan term (years), monthly taxes, insurance & HOA, max housing ratio (%) and max total Debt-to-Income (%).

It returns pre-qualified home price, maximum loan, max housing payment (PITI), max principal & interest, down payment and monthly income, plus 1 more figure.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Pre-Qualified Home Price
  2. 02Maximum Loan
  3. 03Max Housing Payment (PITI)
  4. 04Max Principal & Interest
  5. 05Down Payment
  6. 06Monthly Income
  7. 07Limiting Ratio

The first figure — pre-qualified home price — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Income & Debts

Annual Income
Your total gross annual income before taxes. This is used to calculate your monthly qualifying income.
Monthly Debt Payments
Total of all recurring monthly debt obligations such as car loans, student loans, and credit card minimums.

Loan Details

Down Payment
The amount of cash you have available to put toward the home purchase upfront.
Interest Rate (%)
The estimated annual mortgage interest rate used to calculate your maximum monthly payment.
Loan Term (years)
The repayment period for the loan. A longer term means lower monthly payments and a higher qualifying amount.
Monthly Taxes, Insurance & HOA
Estimated monthly property tax, homeowners insurance and HOA dues. Lenders count these in your housing payment, so they reduce the loan you can carry.

Qualification Limits

Max Housing Ratio (%)
The front-end limit: the maximum share of gross monthly income for the full housing payment (principal, interest, taxes, insurance, HOA). 28% is the traditional guideline.
Max Total Debt-to-Income (%)
The back-end limit: the maximum share of gross monthly income for the housing payment plus all other debts. Most lenders cap this at 43-50%.

For your website

Embed this calculator on your website

Put the Pre-Qualification Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Pre-Qualification calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Pre-Qualification Calculator calculate?
A quick pre-qualification estimate of the home price and loan a buyer can support. It returns pre-qualified home price, maximum loan, max housing payment (PITI), max principal & interest, down payment and monthly income, plus 1 more figure.
Q.02What information do I need to use the Pre-Qualification Calculator?
You enter 8 inputs: annual income, monthly debt payments, down payment, interest rate (%), loan term (years), monthly taxes, insurance & HOA, max housing ratio (%) and max total Debt-to-Income (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Annual Income” mean in the Pre-Qualification Calculator?
Your total gross annual income before taxes. This is used to calculate your monthly qualifying income.
Q.04What does “Monthly Debt Payments” mean in the Pre-Qualification Calculator?
Total of all recurring monthly debt obligations such as car loans, student loans, and credit card minimums.
Q.05Is the Pre-Qualification Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the Pre-Qualification Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Pre-Qualification Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Pre-Qualification results financial advice?
No. Estimates only. Uses the lower of your housing-ratio and total debt-to-income limits. Pre-qualification is not a loan commitment or approval; your actual borrowing power depends on verified income, credit and full underwriting.

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Your website does the math. You get the lead.

The Pre-Qualification Calculator is one of 188 calculators you can brand and embed with one line of code.

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