Home Affordability Calculator
Find out how much home you can afford based on your income, debts, and down payment. Get personalized recommendations with DTI analysis.
Income
Monthly Debts
Down Payment & Credit
Debt-to-Income Ratio
Based on your Comfortable budget selection below
Front-End DTI
30.0%
Housing / Income
Back-End DTI
36.0%
Total Debt / Income
Your DTI is in a healthy range. You qualify for most loan types.
How Much Home Can You Afford?
This is the sweet spot - you can afford your home while maintaining a healthy lifestyle.
Loan Type Eligibility
Best rates with 20% down. PMI required below 20%.
Lower credit requirements. Mortgage insurance required.
For eligible veterans. No down payment required.
For loans above conforming limits. Stricter requirements.
Disclaimer: This calculator provides estimates for informational purposes only. Actual loan approval and terms depend on your complete financial picture, current market conditions, and lender requirements. Interest rates are subject to change. Consult with a mortgage professional for personalized advice.
Continue Your Home Buying Journey
Now that you know your budget, use these tools to plan your next steps.