How much house can you afford?
Plug in your income, your debts, and what you’ve saved. We’ll back into a home price that stays inside lending guidelines.
Credit cards, car loans, student loans - your existing minimums.
36% is typical. 43% is the conventional max.
You can afford up to
$0
Based on 36% DTI on $0 income with $0/mo in existing debt.
- Max monthly payment (PITI) $0 /mo
- Principal & interest $0 /mo
- Property tax $0 /mo
- Home insurance $0 /mo
- Loan amount $0
- Down payment $0
This is a guideline - not a pre-approval. Actual approval depends on credit, employment, and lender.
What is DTI?
Debt-to-income (DTI) is the share of your monthly income that goes toward debt payments - including the new mortgage. Lenders use it as their primary affordability filter. 36% is a comfortable target. Conventional loans cap at 43%, though some programs go higher.
We’re solving the inverse problem: given your max acceptable DTI, how much home can you afford while staying inside that limit? The math accounts for principal & interest, property tax, and insurance - the three pieces every lender includes in your qualifying payment.
This is a guideline, not a guarantee. Real approval depends on credit score, employment history, the specific loan program, and the property itself. If you’re house-shopping seriously, the next move is a pre-approval from a lender - that’s the number sellers take seriously.
Get pre-approved.
We’ll connect you with a lender we’ve worked with for years. No hard pull, no obligation - just a real number to anchor your search.