Finance & Housing
Calculate your housing budget
Estimate your maximum purchase capacity and simulate monthly mortgage payments based on your income and savings. Designed for Colombian bank rules.
Affordability Calculator
How your buying power is evaluated
- • Regla del 30%: Your monthly mortgage payments cannot exceed 30% of your net household income.
- • Down payment scenario: Compare 30%, 20%, or qualified FNA-style 0% down scenarios before talking to a bank.
- • Gastos notariales y registro: The result reserves an extra 1.5% to 3% for notary fees, registration, title checks, and certificates.
- • Marketplace demand: After calculating, you can browse matching listings or save an alert for new properties under your budget.
Example purchase ranges
Monthly income $4.000.000
$116M - $140M
Savings $35.000.000
useful for studios or lower-cost lots, depending on city
Monthly income $6.000.000
$166M - $220M
Savings $50.000.000
typical range for compact apartments or a stronger down payment
Monthly income $10.000.000
$333M - $430M
Savings $100.000.000
opens options for houses, family apartments, or small rural properties
Examples are directional only. Change the rate, down payment, term, city, and property type in the calculator for your situation.
Reference sources
Reviewed on 17 junio 2026. Use these links to confirm program rules, product availability, and lender-specific requirements before making an offer.
Questions
How much do banks lend in Colombia for housing?
A traditional scenario often uses around 30% down, but VIS, FNA, subsidies, or bank campaigns can change that percentage. That is why the calculator lets you simulate several scenarios.
What is the down payment and how much should it be?
The down payment is the fraction of the property value you must pay with your own savings. In Colombia, it is typically 30% of the total property value for used or new middle/upper class housing.
What extra costs should I budget when buying property?
Beyond the down payment, reserve roughly 1.5% to 3% of the property value for notary, registration, certificates, title checks, and other closing costs. The calculator shows a cash-to-close range.
Is a UVR loan the same as a COP loan?
No. A COP loan has nominal peso payments; a UVR loan moves with the indexed unit. This calculator uses an editable annual reference rate for scenarios, not a replacement for a bank quote.
Can Mi Casa Ya or FNA change my budget?
Yes. A subsidy or special lending product can reduce required cash or improve financing if you qualify. Use the closest scenario and confirm with the lender before making an offer.
Marketplace activity
