Three numbers. About a minute. Nothing is pulled and nobody calls you.
This gives you the price range a lender would typically be working from, at this week’s average rate. It is not a quote and it is not an approval. It is the arithmetic, done in the open, so you know where you stand before you talk to anyone.
Enter your income, your monthly debts and your cash, and the range appears here.
Less than 20% down usually adds mortgage insurance to the payment. It is not included here.
Comfortable keeps housing under 28% of income and all debt under 36%. Stretch runs to 36% and 43%, which is as far as many lenders will look. A lender decides. This shows you the room.
I will send you this result. Tell me the towns you are considering and I will add what this range actually buys in each of them right now, from real listings, not from a portal.
Moving is one answer. It is not the only one.
If the question is really whether to leave the house you have or fix the one thing that no longer works, put both columns side by side before you decide. Move or improve runs the same numbers the other way.