💰 Home Affordability Calculator

Find out how much house you can afford based on your income, debts, and down payment.

Your Financial Information

Annual Gross Income

Monthly Debt Payments

Down Payment

Interest Rate (%)

Loan Term (years)

Property Tax Rate (%)

Home Insurance ($/year)

HOA Fees ($/month)

Maximum DTI Ratio: 36%

Conservative (28%) Aggressive (50%)

Results

💡 Tip: Most lenders prefer a DTI ratio under 36%, though some allow up to 43-50% for qualified borrowers. A lower DTI gives you more financial flexibility.