How Much House Can I Afford?
Estimate your maximum home price based on your gross income, monthly debts, and down payment. Based on a 43% DTI guideline used by most conventional lenders.
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Frequently Asked Questions
What DTI ratio is used for affordability?
This calculator uses a 43% back-end DTI, which is the maximum typically allowed for conventional mortgages. FHA loans may allow up to 50% in some cases.
What counts as monthly debt payments?
Include minimum payments on car loans, student loans, credit cards, personal loans, and other recurring debt obligations. Do not include utility bills, groceries, or subscriptions.
Does this include taxes and insurance?
The max payment shown is principal & interest only. Your actual PITI (including taxes, insurance, and PMI) will be higher — use our mortgage calculator for a full estimate.