Case A: Base
Use your current best-quote rate and expected tax band.
Maximum Mortgage Calculator
Calculate how much house you can afford based on income and debt (28/36 rule)
💼 Income Information
Before taxes and deductions
💳 Monthly Debts
Car loans, student loans, credit cards, etc.
🏦 Loan Details
Typical: 3-20% (PMI required if <20%)
2025 rates: 6-8% for 30-year fixed
🏡 Property Costs
Typical: 0.5-2.5% by state
Typical: $100-250/month
$0 if no HOA
🏠 Maximum Home Price
$345,000
Loan: $276,000
Down Payment: $69,000
💰 Monthly Payment (PITI)
Principal & Interest$1,836
Property Tax$345
Home Insurance$150
Total Monthly Payment$2,331
📊 DTI Compliance (28/36 Rule)
Front-End Ratio (Housing)28.0%
Target: ≤28%✅ Pass
Back-End Ratio (Total Debt)34.0%
Target: ≤36%✅ Pass
Monthly Gross Income$8,333
Affordability Pressure-Test Playbook
Do not stop at one number. Run this calculator in three scenarios before setting your offer range: base case, +1% rate shock, and high-tax county case. The most conservative result is usually the safer purchase ceiling for first-time buyers.
Case B: Rate Shock
Increase rate by 1.0% and verify that DTI still stays inside policy guardrails.
Case C: Cost Spike
Raise insurance and HOA assumptions to model the monthly payment stress range.