Free tool
Find your house happy number.
Plot twist: the payment might be doable. Plug in your numbers and see an estimated monthly payment. Then let me check it for real.

Your estimated monthly payment
Enter a home price and the interest rate you were quoted to see your estimate.
Estimate only. Not a loan offer, rate quote, or commitment to lend. Does not include mortgage insurance or all costs. Actual terms depend on credit approval and program guidelines.