Home buying · Calculator
How much house can you afford?
Turn income, existing debt and housing costs into a planning price range before you shop.
Uses common planning limits of 28% of gross income for housing and 36% for total monthly debt. Lender underwriting can differ materially and may include PMI, taxes, insurance, credit, reserves and program-specific rules.
Estimated affordable home price
$441,103
Planning estimate, not a preapproval
Target housing budget
$2,800/mo
Estimated loan
$361,103
Down payment
18.1%
Housing DTI
28.0%
Total DTI
36.0%
Planning tool, not underwriting: lenders can use different debt-to-income limits and may account for PMI, credit profile, reserves and loan-program rules. Estimate a specific monthly payment →