ZION FINANCE

How Much Home Can I Afford?

Two things cap your budget: the payment your income supports and the equity you bring.

Want to walk through your numbers with Naftali? A free 20-minute intro call, no sales pitch and no commissions.

How this calculator works

Israel: payment ≤ your chosen % of net income (legal ceiling 50%), loan ≤ LTV cap. US: housing ≤ 28% and all debt ≤ 36% of gross income, 20% down.

Split a mortgage into prime, fixed and CPI-linked tracks and see payments, total cost and Bank of Israel limits.

Compare buying a home with renting and investing the difference, including the opportunity cost of your down payment.

Your debt payments as a share of income, compared with Israeli and US lending guidelines.