Home Affordability Calculator

Find out how much home you can afford based on your income, debts, and down payment.

Your Financial Information

Annual Income (before tax) ($)

Monthly Debt Payments ($)

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Target Debt-to-Income Ratio (%)

Most lenders prefer 36% or less. Max is typically 43%.

$280,958

Monthly payment: $1,899

Principal & Interest$1537

Property Tax$281

Insurance$82

Total Payment$1899

28.5%

Front-End DTI

(Housing only)

36.0%

Back-End DTI

(All debts)

Conservative (28% DTI)

$1367/month

$213,852

Standard (36% DTI)

$1900/month

$280,958

Aggressive (43% DTI)

$2367/month

$339,676