RSU Qualifier | How Much House Can I Afford with RSUs

Your compensation

Base salary (annual)

Cash bonus (annual, optional)

RSU dollars vested in last 24 months

Use W-2 RSU income if you have it.

RSU dollars vested in last 12 months

Shares vesting in next 12 months

Current share price

Forward-vest haircut

RSU income method

Loan assumptions

Max housing DTI

Mortgage rate

Annual %.

Term (years)

Down payment %

Taxes + insurance + HOA / month

Other monthly debts

Screenshot-ready estimate

Rough max purchase price

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Enter your numbers to see qualifying income.

Qualifying monthly income

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Max housing payment (PITI)

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Est. principal & interest

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RSU income counted (annual)

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Educational only. Not a pre-approval, offer, or commitment to lend. Lenders use overlays, tax returns, and vesting continuance rules that this tool cannot know.

How the RSU math works

How much house can I afford with RSU income?

Lenders typically count vested RSU income using a trailing average (often 24 months, or the lower 12-month figure) and add it to your salary and bonus. Enter your numbers above to estimate a purchase price — this is educational only, not a pre-approval.

Fannie-style trailing average

Take RSU dollars vested over the last 24 months and divide by 24 for a monthly figure (×12 for annual). If the last 12 months are lower than that average, many lenders use the lower trailing-12 run-rate instead.

Forward vest with a haircut

Some overlays compare the trailing average to the next 12 months of scheduled shares × current price × a haircut (often ~65–80%). This tool can take the lower of the two when you choose that method.

Continuance / new hire caveat

Agencies generally want a history of vested stock income and likely continuance after closing. Brand-new grants with little vesting history are often treated more like a bonus and may be excluded.