A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
US$12,450
Home buyer · Typical (most states) ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
US$324,860Deposit
US$106,606Buying costs
US$13,394Monthly repayment
US$2,053If rates rise 1%
US$2,271Savings used
US$120,000A rough guide from common lending limits in the United States (repayments up to about 28% of income, at most 97% of the price, terms up to 30 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in the United StatesFor lawyers, brokers, surveyors and agents serving the United States. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Lenders in the United States usually keep the mortgage repayment under about 28% of your gross income. Enter your income above to see what that means for you.
Lenders usually lend up to about 97% of the price to people who live in the United States, so you need a deposit of at least 3%. On top of that, buying costs come to about 3.1% of the price. If you live abroad, many lenders lend at most 65%.
Home buyer in Typical (most states): closing costs come to about US$12,000. All buying costs together come to about US$12,450, or 3.1% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in United States. Some rules on who can buy, or which rate applies, can still depend on where you live.
Most states have no limits. Some limit buyers from certain countries, mostly for farmland or land near military sites. When you sell, up to 15% of the price may be held back for tax (FIRPTA) if you're not US resident.
An ITIN or Social Security number for a mortgage and tax. A US closing attorney or title company.
We last updated the figures on 14 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
Buying in the United States?
CasaAlpha Deals checks and rates thousands of repossessions, auctions and price-cut homes every night. Free to join.
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