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Estimate How Much Mortgage I Can Afford Find out how much you can afford to borrow with NerdWallet’s mortgage calculator. Just enter your income, debts and some other information to get NerdWallet’s recommendation for how big a mortgage.5 Ways to Calculate How Much House You Can Afford – 5 Ways to Calculate How Much House You Can Afford.. For example, if you have $25,000 saved for a down payment, the maximum amount you could spend on a home would be $125,000 ($25,000 / .20)..