How Much House Can I Afford?
Based on your income, debts, and down payment, we'll calculate a safe and realistic home price using the standard 28/36 rule and other guidelines.
1Your Income
$
$
2Loan Details
$
%
3Monthly Costs
%
$
%
$
Your Home Affordability Results
Recommended Home Price (28% rule)
$284,293
Loan: $234,293 · Monthly PITI: $1,984
Housing DTI28.0%
Guideline: ≤28%
Total DTI35.1%
Guideline: ≤36%
Conservative
$256,836
25% of income
Safest — leaves room for savings and emergencies.
Recommended
$284,293
28% rule
Standard lender guideline. Comfortable for most.
Maximum
$292,789
36% total DTI
Stretching your budget. Less financial flexibility.
Monthly Payment Breakdown
Principal & Interest
$1,481
75%
Property Tax
$284
14%
Home Insurance
$100
5%
PMI
$118
6%
Total Monthly PITI
$1,984
100%
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