Home Affordability
Calculator

Find out how much home you can comfortably afford based on your income, existing debts, and down payment. Three DTI scenarios — conservative, moderate, and aggressive — so you can choose the level of risk that fits your life.

Conservative Max
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Moderate Max
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Aggressive Max
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Monthly Income
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Your Finances
Enter your income, debts, and down payment to see how much home fits your budget across three lending scenarios.

What is DTI?

Debt-to-Income (DTI) ratio is your total monthly debt payments divided by your gross monthly income. Lenders use it to measure how much new debt you can safely carry.

There are two DTI limits: front-end covers just the housing payment, and back-end covers housing plus all other debts. The tighter constraint is what determines your maximum.

Income & Debts
Pre-tax household income per year.
Car loans, student loans, credit card minimums, etc.
Cash you can put toward the purchase.
Loan Assumptions
Expected mortgage interest rate.
Typically 15 or 30 years.
Annual property tax as % of home price.
Annual homeowners insurance cost.
Monthly HOA fees, if applicable.

The three scenarios

  • Conservative follows the traditional 28/36 rule — widely recommended for first-time buyers with limited cash reserves.
  • Moderate uses FHA guidelines (31/43) — the most common approval threshold in today's market.
  • Aggressive reflects the maximum most lenders will approve (36/50) — leaves little financial cushion.
  • Max Home Price is the purchase price your down payment and maximum loan can cover together.
Important: Lender approval is not guaranteed at any DTI. Credit score, employment history, reserves, and other factors all affect eligibility. These numbers are estimates only.
Conservative Max Price
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28% / 36% DTI
Moderate Max Price
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31% / 43% DTI — FHA guideline
Aggressive Max Price
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36% / 50% DTI — lender max
Your Monthly Income
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Gross (pre-tax) per month
Scenario Comparison
How much home, loan, and payment each DTI scenario allows.
Scenario Front / Back DTI Max PITI P&I Payment Max Loan Max Home Price
PITI = Principal + Interest + Taxes + Insurance (+ HOA). Max Loan is derived from the maximum PITI after subtracting fixed monthly costs. Max Home Price = Max Loan + Down Payment.
Monthly Payment Breakdown (Moderate scenario)
Where your monthly housing dollar goes under the moderate scenario.
Principal & Interest —
Property Tax —
Home Insurance —
HOA —
Total Monthly PITI —

Income-to-payment ratio

Front-End DTI: Housing PITI ÷ gross monthly income. Lenders prefer this under 31%.
Back-End DTI: (PITI + all debts) ÷ gross income. Most lenders cap this at 43–50%.
Your Front-End (mod.): —
Your Back-End (mod.): —