Home Affordability Calculator
Based on your income, debts, and down payment, calculate the home price range that fits your financial profile.
Your Financial Profile
We use industry-standard 28/43 debt-to-income ratios.
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Before taxes. Include all income sources (salary, freelance, etc.)
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Car loans, student loans, credit card minimums — not groceries or utilities
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%
%/yr
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Enter your finances
Fill in your income, debts, and down payment to see your estimated home buying budget.
How this calculator works
We apply the standard 28% front-end and 43% back-end DTI rules used by most conventional mortgage lenders. Your maximum home price is the lower result of both limits. This is an estimate — actual lender approval depends on credit score, employment history, and other factors.
Frequently Asked Questions
Most lenders prefer a total DTI (all debts including housing) below 43%. A front-end ratio (housing costs only) below 28% is generally ideal.