Home Affordability Calculator
Discover exactly how much house you can afford based on your income, debts, and down payment
Your Financial Information
Income
$
$
Monthly Debts
$
$
$
$
Down Payment
$
%
Loan Details
%
You Can Afford
$0
Maximum Home Price
Monthly Payment
$0
Loan Amount
$0
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax (est.)
$0
Home Insurance (est.)
$0
PMI (if applicable)
$0
HOA (estimated)
$0
Total Monthly Payment
$0
Debt-to-Income Ratios
Front-End Ratio (Housing)
0%
Recommended: Under 28%
Back-End Ratio (Total Debt)
0%
Recommended: Under 36%
💡 Tips to Increase Your Buying Power
Improve Your DTI Ratio
- • Pay off credit cards and small loans
- • Increase your income with a side hustle
- • Avoid taking on new debt
Optimize Your Down Payment
- • Save for at least 5% down (20% to avoid PMI)
- • Consider down payment assistance programs
- • Explore FHA loans for lower down payments