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Home affordability
Affordability
Income and debts in, rough purchase budget out — for planning, not underwriting.
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DTI target
Default 28% housing / income.
Debt aware
Other monthly debts reduce capacity.
Max price
Loan plus down payment.
Use the calculator
Max housing payment
1460
Max loan
167703.47
Max home price
227703.47
How it works
How affordability is estimated
We cap housing payment at your DTI share of income minus other debts, then back into a loan size from rate and term.
Before you start
- Lenders also look at credit, reserves, and back-end DTI.
- Taxes and insurance reduce the PI you can afford.
Three steps
- 1
Income & debts
Monthly figures.
- 2
Rate & down
Expected mortgage terms.
- 3
See budget
Max loan and home price.