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Home Affordability Calculator

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

Annual Gross Income

Down Payment

Interest Rate (%)

Loan Term

Monthly Debts (car, student loans, etc.)

Monthly Property Tax + HOA

Estimated Max Home Price

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Max Loan Amount

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Monthly Payment

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Front-End DTI

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Back-End DTI

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Debt-to-Income Ratio (back-end)

0%28% ideal36%43% max60%

The 28/36 rule

Lenders typically use two ratios. Front-end DTI: housing costs should be ≤28% of gross monthly income. Back-end DTI: all debts (including housing) should be ≤36–43%. FHA loans allow up to 43%, VA loans can go higher with compensating factors.

Max PITI = Gross Monthly Income × 0.28
Max All Debts = Gross Monthly Income × 0.36