Affordability Calculator

This tool estimates an affordable price based on common debt‑to‑income (DTI) guidelines; results are educational and should be confirmed with a professional.

Inputs

Monthly gross income ($) Monthly non‑housing debts ($) Down payment ($)

Interest rate (APR %)

Loan term (years)

Property tax rate (% of price)

Homeowners insurance (monthly $)

HOA fees (monthly $)

Front‑end DTI target (%)

Back‑end DTI target (%)

Note: Taxes are estimated as rate × price / 12; insurance and HOA are entered as monthly costs; PMI is not included.

Results

Max monthly housing

Est. home price

Approx. mortgage (principal + interest)

Assumed taxes + insurance + HOA

This estimate is for planning only and not a credit decision.