Self-employed borrowers are often underwritten on two years of tax returns and may need larger reserves. Estimate a payment you can sustain through uneven months, then check debt-to-income with realistic monthly obligations.
Run the numbers with the free mortgage calculator on ezcalcs, then come back to this guide for context. Results are estimates for planning only.
The calculators here help you stress-test payment size before talking to a lender — they do not replace loan pre-approval.