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.

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.

Practical tips and limits

Change the assumptions to match the scenario you want to model. Results are browser-local estimates and are not lender, landlord, tax, legal, or investment advice. Real contracts can use different timing, fees, eligibility rules, and rate conventions.