Income & Debts
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$
$
%
yrs
Additional Costs
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$
Loan Program & DTI Limits
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%
💰
28/36 Rule
Conventional guideline: housing ≤28%, total debt ≤36% of gross income.
📉
Reduce Debts First
Paying off a $400/mo car loan can increase buying power by $60k+.
🏦
FHA = More Flexible
FHA allows up to 31/43 DTI with as little as 3.5% down.
📋
Get Pre-Approved
A pre-approval letter shows sellers you're a serious buyer.
🏡
Ready to calculate
Enter your income and financial details on the left, then click Calculate Affordability to see your home buying budget with full DTI breakdown.
Your Affordability Results
Maximum Home Price You Can Afford
$0
Based on your income and DTI limits
Front-end DTI
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Housing / income
Back-end DTI
—
All debts / income
Affordability: —
Loan Amount
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After down payment
Down Payment
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Cash needed at closing
Monthly Payment
—
Full PITI + HOA
Monthly P&I
—
Principal & interest only
Monthly Income
—
Gross monthly
PMI Estimated
—
If LTV > 80%
DTI Breakdown
Monthly Payment Breakdown
Disclaimer: This calculator provides estimates for educational purposes only. Results are based on standard DTI guidelines and do not constitute a loan offer or financial advice. Actual approval depends on credit score, employment history, lender requirements, and loan program guidelines. Consult a licensed mortgage professional before making any decisions.