Home Affordability Calculator

Calculate how much house you can realistically afford using standard lender 28/36 Debt-to-Income rules.

Annual Gross Household Income ($)

Monthly Debt Payments ($ car/student/credit card)

Down Payment Available ($)

Mortgage Interest Rate (%)

Loan Term

Maximum Affordable Home Price

$462,000

Based on 28% housing ratio limit

Max Recommended Monthly Payment

$2,566/mo

Principal, interest, tax & insurance

Max Loan Amount

$402,000

Total Debt-to-Income (DTI)

33.4%

Target is under 36% for prime rates

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