Calculator

Affordability Calculator

Estimate an affordable price range. All calculations run locally — no data transmitted.

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Gross monthly income

Monthly debts

Down payment

Interest rate (example, editable)

Loan term (years)

Max DTI ratio

Property tax rate (% / year)

Homeowners insurance ($ / year)

HOA ($ / month)

Estimated affordable price

$435,866

Estimated loan amount: $345,866
Estimated monthly housing payment: $3,270
Max total monthly debt (incl. housing): $3,270

Assumptions

Uses the selected DTI guideline. Mortgage insurance estimated at 0.5% of loan annually for planning. Actual eligibility depends on underwriting and program limits.

Important

Results are estimates only, not a loan approval, commitment to lend, or Loan Estimate.
Taxes, insurance, and other costs vary by location and transaction.
Rates and program terms are illustrative and depend on your full scenario.
A licensed mortgage professional must review your complete situation.
This tool does not collect or store any personal data.