House Affordability Calculator

Model a monthly housing budget, principal-and-interest capacity, maximum loan, and estimated home price without pretending to predict lender approval.

Gross annual income

Monthly debt payments

Down payment

Mortgage rate (%)

Term (years)

Front-end DTI (%)

Back-end DTI (%)

Taxes + insurance + HOA / month

—Estimated home price

—Estimated max loan

—Housing budget / month

—P&I budget / month

Editable DTI thresholds are budgeting assumptions, not underwriting rules. Actual qualification depends on lender methodology, credit, reserves, taxes, insurance, loan type, and other factors.

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

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How to use this House Affordability Calculator

Model a monthly housing budget, principal-and-interest capacity, maximum loan, and estimated home price without pretending to predict lender approval.