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Home Affordability Calculator
There are two affordability numbers: what a lender will approve, and what you'll be comfortable paying. They're rarely the same, and the gap is where buyers get into trouble.
This calculator shows both — the maximum price your debt-to-income ratio supports, and the price behind whatever monthly payment you say feels comfortable.
Your numbers
Car loans, student loans, credit card minimums — not utilities or groceries.
Your results
Comfortable price
$268,302
Behind a $2,200 monthly payment
- Maximum qualifying price
- $373,360
- Maximum housing payment
- $3,013
- Your DTI at the comfortable payment
- 34.7%
- Down payment required (comfortable)
- $13,415
- Gap between the two
- $105,058
At a 45% debt-to-income ceiling
What happens if you change this
Your income supports up to $373,360 at a 45% debt-to-income ceiling, but the payment you said feels comfortable ($2,200) corresponds to about $268,302. Paying off $200 of monthly debt would raise your qualifying price by roughly $25,860. A one-point drop in rate would move the comfortable price by $268,302 → recalculate by sliding the rate to see it live.
Ready for real numbers?
Estimates get you oriented. A pre-approval gets you an offer sellers take seriously.
Related calculators
- Debt-to-Income CalculatorFind your front-end and back-end ratios — the single biggest factor in what you'll be approved for.
- Mortgage Payment CalculatorSee your full monthly payment — principal, interest, taxes, insurance and mortgage insurance — not just principal and interest.
- Cash to Close CalculatorThe single number that matters most at the start: how much you actually need in the bank.
- Rent vs Buy CalculatorCompare renting and owning over the years you'll actually stay — including equity, appreciation and the cost of selling.
Questions people ask
- What debt-to-income ratio do lenders allow?
- It depends on the program and your overall profile. Many conventional approvals run to about 45%, and some go higher with strong credit and reserves. FHA can be more flexible.
- Should I borrow the maximum?
- Rarely. The maximum is a guideline ceiling, not a recommendation. Most buyers are happiest somewhere below it with room for maintenance, savings and life.
Estimates for education only — not a loan approval, rate quote, or commitment to lend. Actual figures depend on credit, property, program guidelines, and market conditions at the time of lock. Corie Adams · NMLS #1875205 · Network Funding, LP · NMLS ID #2279 · Equal Housing Opportunity.