Home Affordability Calculator

💵 Income Details

Enter your gross (pre-tax) income. Annual and monthly fields are synced automatically.

Your Annual / Monthly Income ?

$/yr =

Co-Borrower Annual Income ?

$/yr

Other Annual Income ?

$/yr

💳 Monthly Debts

Car Payment(s) ?

$/mo

Student Loans ?

$/mo

Credit Cards ?

$/mo

Other Debts ?

$/mo

🏠 Loan Details

Down Payment $ / % ?

$ or %

Interest Rate ?

Loan Term ?

📋 Housing Costs

Property Tax Rate ?

Home Insurance ?

$/yr

HOA Fees ?

$/mo

PMI Rate ?

⚙️ DTI & Comfort Level

Front-End DTI ?

Back-End DTI ?

Your Home Affordability

Conservative Estimate

Maximum Home Price

^$250,000

Based on your income and DTI limits

Summary

Max Monthly Payment

$1,750

Loan Amount

$200,000

Monthly Income

$7,083

Monthly Debts

$800

Available for Housing

$1,750

Remaining Budget

$4,533

Debt-to-Income Ratios

Front-End (Housing)

25%

Max: 28%

Back-End (All Debts)

32%

Max: 36%

Payment Breakdown

Principal & Interest

$1,264

Property Tax

$250

Home Insurance

$150

PMI

$83

HOA

Visualizations

Affordability Range

$200K
Comfortable$275K
Stretch$350K
Max

💡 Recommendations

Disclaimer: These estimates are for informational purposes only. Actual loan approval depends on credit, employment, and other factors. Consult a mortgage professional for personalized advice.