Home buying budget
Home Affordability Calculator with DTI
Estimate a practical home price range from your income, current debts, down payment, mortgage rate, taxes, insurance, HOA, and debt-to-income limits.
DTI basedfront-end and back-end limits
Full paymenttaxes, insurance, HOA
Price rangeconservative to stretched
Estimated affordable home price
$0
Estimated loan amount$0
Target housing payment$0
Conservative price$0
Stretched price$0
Enter your income and debts to estimate an affordable home price.
Affordability checks
Front-end DTI used0%
Back-end DTI used0%
Monthly income$0
Debt budget left$0
How this calculator works
The calculator estimates the maximum housing payment allowed by both front-end DTI and back-end DTI. It then estimates a home price where principal, interest, property tax, insurance, and HOA fit within that monthly housing budget.
This is not a mortgage approval. Lender guidelines, credit score, reserves, loan type, mortgage insurance, property location, and documentation can change actual affordability.