House Affordability Calculator

How much house can you actually buy? Enter your income, existing debts and down payment. The calculator works backwards from lender debt-to-income limits to estimate the maximum home price you're likely to qualify for — and what the monthly payment would look like.

Tool Features

• Max home price from a 36% DTI guideline
• Includes taxes, insurance and other debts
• See the monthly payment at your budget
• Compare how a rate change moves the price
• No registration or software installation

Common Usage

• Set a realistic house-hunting budget
• See how debts shrink your price range
• Test whether a bigger down payment helps
• Check affordability before a rate lock