Home Affordability Calculator — Income & Debt Check
Find out how much house you can afford based on your income, debts, and down payment. Calculates your maximum home price using front-end and back-end DTI.
Home Affordability
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Maximum Loan Amount
$286,981
Est. Monthly Payment (P&I)
$1,861.35
Total Monthly Housing Cost
$2,333.33
Front-End DTI Ratio
▲ 28.0% (limit: 28%)
Back-End DTI Ratio
▲ 34.0% (limit: 36%)
Down Payment Percentage
▼ 17.3%
Scenario Comparison
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Maximum Home Price
$346,981
With $60,000 down (17.3%)
Monthly Payment
$2,333/mo
Income Ratio
28%
Debt-to-Income Ratios
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