Affordability Calculator

How Much House Can You Afford

Income & Debts

Annual Gross Income $90,000

Monthly Debt Payments $400 Car loans, credit cards, student loans, etc.

Down Payment & Loan

Down Payment Available $40,000

Interest Rate 6.50%

Loan Term 30 yrs

Ongoing Costs

Property Tax /yr $4,800

Home Insurance /yr $1,600

HOA Fees /month $0

DTI Comfort Level

Estimated Home Price You Can Afford

Based on your income, debts, and down payment

Housing Payment Other Debts Remaining Income

Max Monthly Payment

Loan Amount

Housing DTI

Total DTI

This calculator provides estimates for informational purposes only and does not constitute financial or lending advice. Actual affordability depends on your lender’s underwriting rules, credit profile, and local requirements. Consult a licensed mortgage professional before making financial decisions.

Frequently Asked Questions

Affordability Calculator — Common Questions