How Much Home Can You Afford?

Enter your income, monthly debts, and down payment to get an instant estimate based on standard lending guidelines.

Your Financial Profile

Annual Household Income$90,000

$30,000$500,000

Monthly Debt Payments$500

0$5,000

Down Payment10%

3%50%

Interest Rate6.750%

2%12%

Loan Term

Estimates include principal, interest, and approximate taxes & insurance (1.5% annual). Actual qualification depends on credit score, lender guidelines, and property type.

Estimated Maximum Home Price

$305,788

Based on 43% back-end / 28% front-end DTI

Estimated Monthly Payment

$2,167/mo

P&I: $1,785Tax & Ins: ~$382

Debt-to-Income Ratio

Excellent (35.6%)

Front-End DTI

28.9%

Target ≤ 28%

Back-End DTI

35.6%

Target ≤ 43%

Understanding Debt-to-Income Ratios

≤ 36% DTI — Excellent

Strong approval odds with the best rates. Most lenders prefer borrowers in this range.

37–43% DTI — Acceptable

Qualifies for most conventional and FHA loans. May require compensating factors.

> 43% DTI — High

Harder to qualify. Consider paying down debts or increasing your down payment.

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