Home Affordability Calculator

Estimate your budget using income, debts, and DTI rules. Adjust taxes, insurance, HOA, and down payment to see a realistic monthly breakdown.

Income & Debts

Gross annual income

Before taxes; include co-borrower if applicable.

Monthly non-housing debts

Car, student loan, credit card minimums, etc.

Loan & Property Assumptions

Interest rate (APR %)

Term (years)

Property tax rate (% of price)

Homeowners insurance ($/yr)

HOA dues ($/mo)

PMI rate (% of loan / yr)

Used if down payment < 20%.

Down Payment

Amount

Mode

DTI Rules

Front-end DTI (%)

Housing-only ÷ gross income.

Back-end DTI (%)

Housing + other debts ÷ gross income.

$—

Based on income, debts & DTI.

$—

Given your assumptions.

$—

Price minus down payment.

Note: Results are estimates and not a loan offer. PMI is included when down payment is under 20% and typically drops after ~80% LTV.