Free mortgage affordability calculator for first-time homebuyers in the US, UK, Canada, and Australia. Enter your income, debt, and down payment to instantly see your maximum home price, estimated monthly payment, and debt-to-income ratios based on real lender guidelines. No signup. No email. No paywalls. Just a clean, honest answer in under 2 minutes. Also includes free guides for specific income levels, single income buyers, down payment strategies, and first-time buyer programs by country.