Finance tool
House Affordability Calculator
See how front-end and back-end debt-to-income limits, taxes, insurance, HOA, PMI, and your down payment affect a realistic maximum home price.
Home-buying assumptions
DTI limits are editable guidelines, not a lender preapproval.
Maximum home price
$347,315
Maximum loan$267,315
Monthly housing$2,100
Principal & interest$1,603
Property tax$347
Insurance + HOA + PMI$150
Estimated cash needed$90,419
Closing-cost assumption$10,419 (3%)
Binding constraintback-end DTI
Estimated total DTI36.0%
Affordability is a ceiling, not a target
The result applies both a housing-only DTI limit and a total-debt DTI limit, then identifies which one binds. It includes recurring property costs and an estimated PMI charge when the down payment is below 20%.
Lenders may use different underwriting rules, credit-based rates, reserves, insurance quotes, and tax treatment. Leave room for maintenance, utilities, childcare, and an emergency fund.
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