Home Affordability Calculator
How much house can you actually afford? Uses the 28/36 rule lenders use — housing under 28% of gross income, all debts under 36%.
Maximum Home Price
$0
Loan Amount$0
Monthly Housing Budget (PITI)$0
— of which Principal & Interest$0
— of which Taxes & Insurance$0
Binding Constraint—
The 28% front-end cap limits housing costs; the 36% back-end cap limits housing plus all other debt payments — whichever bites first sets your budget (the tool shows which). Many lenders stretch to 43-50% DTI, but the 28/36 zone is where homeownership stays comfortable. A bigger down payment or paying off a car loan directly raises your price range. Estimates only.