Calculator
Affordability Calculator
Work backward from your income and monthly debts to a realistic home price — the way an underwriter actually looks at it.
Car payments, student loans, credit cards, child support — not including rent.
43% is a common ceiling; some programs allow more.
Estimated home price you could afford
$0
Estimated max loan amount$0
Max total monthly housing payment$0
How lenders actually calculate this
Underwriters look at your debt-to-income ratio — your total monthly debt payments, including the new mortgage, divided by your gross monthly income. Most programs cap that around 43%, though some government-backed programs allow higher ratios for well-qualified borrowers. This estimate assumes roughly 80% of your max housing payment goes to principal and interest, with the rest reserved for taxes and insurance — real numbers depend on your actual property and program.