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🏡 Free Financial Tool

Home Affordability

Find your maximum home price and Debt-to-Income ratio based on your income, debts and down payment.

Your Income
Annual Gross Income $80,000
$
$20K$500K
Co-Borrower Annual Income (optional)
$
Monthly Debts
Car Loan Payment
$
Student Loan Payment
$
Credit Card Minimum Payments
$
Other Monthly Debts
$
Loan Details
Down Payment 20%
$
%
Interest Rate 7.00%
%
2%15%
Loan Term
DTI Method
Annual Property Tax Rate
%
Annual Home Insurance
$
Your Affordability
Maximum Home Price
$0
Based on your income and debts
$0
Max Loan Amount
$0
Max Monthly Payment
0%
Front-End DTI
0%
Back-End DTI
DTI Breakdown
Front-End DTI (housing only)
0%
Back-End DTI (all debts)
0%
✅

Excellent DTI

Your debt-to-income ratio is within healthy limits. Most lenders will approve you.

How Your Income Is Allocated
Housing Payment
$0
Existing Debts
$0
Remaining Income
$0
💡
DTI Rules Explained: Front-end DTI = housing costs ÷ gross income. Back-end DTI = (all debts + housing) ÷ gross income. Most conventional lenders want front-end ≤28% and back-end ≤36%. FHA allows up to 43% back-end with compensating factors.

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