Home Affordability Calculator DTI guardrails

Estimate maximum home price from income, debt, and ownership-cost assumptions with front-end and back-end DTI limits.

Gross annual income ($)

Existing monthly debt payments ($)

Down payment cash ($)

Mortgage interest rate (%)

Loan term (years)

Property tax rate (% of home value / year)

Insurance per year ($)

HOA per month ($)

Front-end DTI (%)

Back-end DTI (%)

Enter values and run calculation.

This output is a planning ceiling, not a recommendation. Test lower budgets to leave room for savings goals and irregular expenses.