AFFORDABILITY CALCULATOR
How Much House Can You Afford?
Free estimate tool — try it now, no signup required
Calculate your maximum home price based on income, debts, and down payment. See what lenders will likely approve you for.
DTI Based
Lender Guidelines
Full PITI
What Lenders Look At
- Front-end DTI: Housing costs should be <28% of gross income
- Back-end DTI: Total debts should be <43% of gross income
- Down payment: Affects loan amount and PMI
- Credit score: Impacts rate (not calculated here)
Frequently asked questions
How much house can I really afford?
Most lenders cap your total debt-to-income ratio around 43–45%. The calculator works backward from that: it factors income, current debt, taxes, insurance, and your down payment to find a buyer-ready price range.
What down payment does the calculator assume?
You set it. The default is 20%, but you can model 3.5% (FHA), 5%, 10%, or any custom amount to see how it shifts the maximum price you qualify for.
Does it include property taxes and insurance?
Yes — the monthly payment includes principal, interest, taxes, and homeowners insurance (PITI), which is what lenders actually use for qualification.
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Home Affordability Calculator
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