Home Affordability Calculator
How much house can you afford?
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💰 Income & Debts
Annual Gross Income ($)
Monthly Debt Payments ($)
— car, student loans, credit cards
🏠 Loan Details
Down Payment ($)
Interest Rate (%)
Loan Term
30 years
15 years
Property Tax Rate (%/yr)
Annual Insurance ($)
Monthly HOA ($)
PMI Rate (%/yr)
— if down payment < 20%
Calculate Affordability
🎯 Your Results
Max Home Price
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Max Loan Amount
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Total Monthly Payment
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📊 Monthly Payment Breakdown
📈 DTI Ratios (28/36 Rule)
Front-End DTI (Housing / Income)
0%
28%
50%
Back-End DTI (All Debts / Income)
0%
36%
50%
💲 Down Payment Comparison
Down Payment
Home Price
Monthly
PMI