🏡 Free Financial Tool

Home Affordability

Find your maximum home price and Debt-to-Income ratio based on your income, debts and down payment.

Your Income

Annual Gross Income $80,000

$20K$500K

Co-Borrower Annual Income (optional)

Monthly Debts

Car Loan Payment

Student Loan Payment

Credit Card Minimum Payments

Other Monthly Debts

Loan Details

Down Payment 20%

Interest Rate 7.00%

2%15%

Loan Term

DTI Method

Annual Property Tax Rate

Annual Home Insurance

Your Affordability

Maximum Home Price

Based on your income and debts

Max Loan Amount

Max Monthly Payment

Front-End DTI

Back-End DTI

DTI Breakdown

Front-End DTI (housing only)

Back-End DTI (all debts)

✅

Excellent DTI

Your debt-to-income ratio is within healthy limits. Most lenders will approve you.

How Your Income Is Allocated

Housing Payment

Existing Debts

Remaining Income

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DTI Rules Explained: Front-end DTI = housing costs ÷ gross income. Back-end DTI = (all debts + housing) ÷ gross income. Most conventional lenders want front-end ≤28% and back-end ≤36%. FHA allows up to 43% back-end with compensating factors.

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