Affordability Calculator
Estimate the home price you can comfortably afford based on your income, monthly debts, down payment, and a target debt-to-income ratio. We show both the maximum a lender would likely allow and a more conservative comfortable number.
Your numbers
Before taxes, all borrowers combined
Cars, student loans, minimum credit card
Illustrative example rate. Not an available or quoted rate.
36% is conservative, 43% to 45% is common
Annual, as % of home price
Annual, as % of home price
Leave at zero if no HOA
Plain-English summary
Based on a 36% total debt-to-income target, you could qualify for a home around $412,613. A more conservative target of 28% housing-only suggests something closer to $392,041.
Estimated affordability
A more conservative target
Based on a 28% front-end DTI, the classic banker rule of thumb where housing alone sits at or below 28% of gross income.
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Talk it through with a loan officer to understand what you actually qualify for based on your real credit and documented income. Free, no pressure.
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Open calculatorFrequently asked questions
How does this calculator decide what you can afford?
What DTI should I target?
Why is the result different from what a lender will offer?
Related glossary terms
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Mortgage Payment Calculator
Estimate your full monthly payment including principal, interest, taxes, insurance, HOA, and PMI.
Open calculatorClosing Costs Calculator
Estimate the cash you will need at the closing table beyond your down payment.
Open calculatorRent vs Buy Calculator
Compare renting versus buying over 5, 7, and 10 years. Surfaces the breakeven year in plain English.
Open calculatorCan I Qualify?
Walk through the qualification questions a loan officer asks first to get a directional answer.
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