Get a Mortgage

Plan your home financing

Estimate a comfortable home price and monthly payment before you buy. We use the common 28% / 36% debt-to-income guideline lenders look at.

These are estimates, not loan offers. Ceno Homes is not a lender. Financing through approved bank and mortgage partners is coming soon — you'll be able to submit an enquiry and connect with providers directly.

Annual household income

Monthly debts (car, loans, cards)

Recurring monthly payments, not including rent.

Down payment

Loan term

Interest rate (%)

Property tax + insurance (%/yr)

Comfort level — max debt-to-income: 36%

Lenders often cap total debts at 36–43% of gross income. Lower is more conservative.

What goes into the estimate

Front-end ratio: housing ≤ 28% of gross income
Back-end ratio: housing + debts ≤ your DTI slider
Payment = principal, interest, taxes & insurance
Down payment reduces the loan, not the price cap