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Affordability calculator

How much home can you actually afford? This works the way lenders work — backwards from your income, monthly debts, and a target DTI ratio.

Your income

Your monthly debts

Loan assumptions

Home price you can afford
$640,000
at 43% back-end DTI
Stretch budget
$720,000
at 50% DTI (lender max for most programs)
Conservative
$540,000
at 36% DTI
Your monthly payment
$4,375
PITI on the recommended price
How we calculated this
We worked backwards from your monthly income. Lenders cap your back-end DTI (total debts ÷ gross income) at 43% for most conforming loans and up to 50% for some programs. The "recommended" number above uses 43%; subtract your existing debts, allocate property tax + insurance, then solve for the loan amount that fits the remaining budget.
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Estimates only. Actual qualification depends on credit, employment, reserves, property type, and program guidelines.