Your buying power is primarily determined by your income, monthly debts, credit score, down payment amount, and current mortgage interest rates. A higher credit score or larger down payment typically qualifies you for a larger loan at better terms. Enter all income sources above — including RSUs and bonuses — to see your full buying power at today’s live rate.

Lenders typically require a 2-year history of bonus or RSU income before counting it toward qualification. Some lenders apply a haircut of 50–75% on variable income depending on vesting schedules and employer stability. Enter your RSU and bonus income in the calculator above to see how they shift your maximum purchase price.

A larger down payment reduces your loan amount, lowering monthly payments and often unlocking better rates. Putting 20% or more down eliminates PMI, saving hundreds per month. In Silicon Valley, where jumbo loan thresholds begin around $1.15M, a bigger down payment can keep your loan in the conforming range for better rate pricing.

A common guideline is that total housing costs (principal, interest, taxes, insurance) should not exceed 28–30% of gross monthly income. Total debt obligations should stay below 43% of gross income to qualify for most conventional loans. The calculator above factors in your full income — base, RSU, and bonus — to show your maximum purchase price at the current live rate.

Debt-to-income ratio (DTI) compares your total monthly debt payments to your gross monthly income. Most lenders allow up to 43% back-end DTI. High existing debts — student loans, car payments, credit cards — reduce the monthly payment you can qualify for, which directly lowers your maximum purchase price. This calculator assumes no other debts; results will differ if you carry other obligations.

Yes. After vesting and selling RSU shares, the after-tax proceeds are unrestricted funds you can use for a down payment. Use the ticker lookup in the Down Payment section above to see how your shares — combined with cash savings — affect your total down payment and maximum purchase price. Timing a large vest event before your purchase can meaningfully increase your buying power.