Home Affordability Calculator

Estimate the maximum home price you can afford based on lender criteria.

Car payments, student loans, credit cards.

How lenders decide?

Lenders look at your Debt-to-Income (DTI) ratio. A general rule is the 28/36 rule:

  • 28%: Maximum housing costs vs gross income.
  • 36%: Maximum total debt (housing + others) vs gross income.

This calculator uses these standard ratios to determine your maximum loan amount.

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