When buying a home, Capitol Federal® doesn't look just at your income, assets, and the down payment you have. We also take a look at all of your liabilities and obligations, including auto loans, credit card payments, child support, potential property taxes, student loans and insurance, and your overall credit rating. Use our free home affordability mortgage calculator to determine how much of a mortgage you may be able to obtain.
Please fill out as much information as you can gather within each category. The more information you can provide, the more accurate an estimate the calculator can generate for you. You do not have to fill in all of the fields to get a result.
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Each lender may have different qualifying ratio requirements. Please ask your loan consultant for more information.

Mortgage Help Center
Get answers to all your mortgage questions and learn more about the mortgage loan process.

Parent-Child Loan Program
A Parent-Child Loan is made for individuals who have a parent or child that may not be able to qualify for a mortgage on their own.
More on Parent-Child Loan
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If you’re ready to apply or get pre-approved for a mortgage, start the application now. You can always save it and return later.

Home Loans
Capitol Federal® offers a variety of mortgage products with competitive rates and local loan servicing for the life of the loan.