Chase's mortgage affordability calculator can be used based on income or estimated payment amount. If you choose to calculate based on income, the calculator takes into account your financial health, loan preferences, projected taxes, and insurance costs. If you choose to calculate based on estimated payments, the calculator asks for information about your desired mortgage, such as the maximum monthly payment, term, interest rate, and preferred down payment. The calculator then combines this information with projected taxes and insurance costs to provide an estimate.