Affordability Calculator
Work backwards from income and debts to a price range you can carry.
Min payments on cards, loans, alimony, etc.
DTI Ratios
Estimated Monthly Payment
$3,195
Based on a Conventional loan at 6.500% over 30 years with 20% down. Estimates only — request a personalized quote for exact pricing.
What this calculation assumes
- Debt-to-income limits differ by programme and by investor overlay; the allowable figures shown are common maximums, not guarantees.
- Only the debts you enter are counted — a real underwrite pulls credit and counts everything on it.
- Tax and insurance are estimated from percentages, and PMI from a flat annual factor while the down payment is under 20%.
- Nothing here checks reserves, employment history, property type or occupancy, all of which move a real approval.
Every rate, fee and premium on this page is illustrative and set by you, not quoted by us. Nothing here is an offer of credit or a commitment to lend.
Every input you change is written into the address of this page, so the link you copy reopens the calculator exactly as you left it.
How much home can I afford?
Affordability is set by whichever constraint binds first: your front-end ratio (housing cost against income), your back-end ratio (all debt against income), or the cash you have for a down payment and closing costs. The calculator shows all three so you can see which one is actually holding you back.
More guides in the learning centerNumbers are a starting point.
Bring yours to a loan officer and we will tell you which parts hold up and which ones move.
Request a quote