Mortgage Affordability Calculator

Find out how much house you can afford based on your income, debts, and down payment. Uses standard DTI ratios (28/36 rule) to calculate your maximum home price.

💵 Your Financial Info

Income

Annual Gross Income ($)

Monthly Bonuses ($)

Other Income ($)

Monthly Debts

Car Payment ($)

Credit Cards ($)

Student Loans ($)

Other Debts ($)

Loan Details

Down Payment (%)

Interest Rate (%)

Loan Term

Property Tax (%/yr)

Insurance (%/yr)

HOA/mo ($)

🏠 You Can Afford

$254,000

Maximum Home Price

Down Payment

$50,800

Loan Amount

$203,200

📋 Monthly Payment: $1,695

Principal & Interest$1,335

Property Tax$254

Home Insurance$106

📊 Debt-to-Income Ratios

Front-End DTI

23.9%

Housing / Income (max 28%)

Back-End DTI

35.9%

All Debts / Income (max 36%)

💰 Monthly Budget

Gross Monthly Income$7,083

Housing Payment-$1,695

Other Debts-$850

Remaining for Living$4,539