What is a good home buying readiness score?

This tool scores readiness out of 100 across five areas: credit, debt-to-income, down payment, cash reserves, and timeline. A higher score means fewer gaps to close before you shop. It's an educational gauge, not a preapproval.

Does checking my readiness affect my credit?

No. Nothing here pulls your credit. You enter a rough credit range yourself, and the calculation runs in your browser.

Free calculator · Home Buying Readiness

Are you actually ready to buy?

Getting approved and being ready aren't the same thing. Answer eight quick questions and get your readiness score out of 100 — plus the one gap most worth closing before you shop. Nothing here pulls your credit.

Gross monthly income (before taxes)

Total monthly debt payments

Car, student loans, minimum card payments — not rent.

Target monthly housing payment

Credit range

Down payment saved

Emergency reserves (separate from down payment)

What you'd have left AFTER buying.

When do you want to buy?

0/100

Home Buying Readiness

Biggest gap:

Prefer I reach out?

Not ready to book a call? Send your info and Marcelo Bayon, a licensed loan officer, will follow up with a realistic plan. No pressure, no credit pull.

Submitting sends your details to Marcelo Bayon, NMLS #1851997. Not a loan application, preapproval, or credit decision; no credit is pulled. Equal Housing Opportunity.

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Questions people ask

What counts as "ready"?

Steady income, manageable debt, a down payment, cash reserves left after closing, and decent credit. This tool weighs all five so you can see which one is holding you back — before a lender does.

What DTI do lenders look for?

Often a total debt-to-income ratio around 43% or lower, most comfortable near 36% — your monthly debts plus the new housing payment, divided by gross monthly income.