Keep this scenario with a contact
← All calculators

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

Estimated purchase range
$640,000
at 43% back-end DTI
Higher-DTI illustration
$720,000
at 50% DTI (planning illustration)
Conservative
$540,000
at 36% DTI
Your monthly payment
$4,375
Estimated PITI at 43% planning DTI
How we calculated this
We worked backwards from your monthly income. We compare back-end DTI (total debts ÷ gross income) at 36%, 43% and 50% as planning assumptions, not underwriting limits. The middle illustration uses 43%; subtract your existing debts, allocate property tax + insurance, then solve for the loan amount that fits the remaining budget.
Request quick review →

Planning estimates exclude HOA, mortgage insurance, maintenance, flood insurance, special assessments and closing costs. These can materially reduce the range. Actual qualification depends on credit, employment, reserves, property type, and program guidelines.