Home Affordability Calculator
Find out how much home you can afford based on your income, debts, and down payment. Uses the 28/36 lender qualification rule.
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Max Home Price
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Max Monthly Payment
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Comfortable Price
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DTI Ratio
Home Affordability Guide
The 28/36 Rule
Most lenders use the 28/36 rule: your housing costs shouldn't exceed 28% of gross monthly income, and total debt payments shouldn't exceed 36%. Some lenders allow up to 43% total DTI for qualified borrowers.
Conservative vs Maximum Budget
Just because you qualify for a certain amount doesn't mean you should spend it. A comfortable budget typically uses 25% of gross income for housing, leaving room for savings, emergencies, and lifestyle expenses. The "comfortable" estimate uses this lower threshold.