🏠 Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment. We'll calculate your maximum purchase price using lender guidelines.
Your Income
Before taxes. Include bonuses if consistent.
Monthly Debts
Total Monthly Debts:
$800
Down Payment & Loan
Each loan type enforces its minimum down payment. FHA assumes the 1.75% Upfront MIP is financed into the loan plus ongoing MIP; conventional loans below 20% down include PMI.
Property Costs
Lender Guidelines
Housing / Income (28% typical)
All debts / Income (36% typical)
You Can Afford
$0
Monthly Payment
$0
Down Payment
$0
Loan Amount
$0
What's Limiting You?
DTI Analysis
Monthly Payment Breakdown
Principal & Interest$0
Property Tax$0
Home Insurance$0
Total PITI$0
Affordability Scenarios
Pro Tip: Lenders prefer back-end DTI under 36%, but some allow up to 43-50% for strong borrowers.