Mortgage Affordability Calculator

Calculate how much house you can afford based on your income, debts and down payment.

Annual Gross Income

Monthly Debt Payments (loans, car, student, etc.)

Down Payment

Annual Interest Rate (%)

Loan Term

Frequently Asked Questions

How much house can I afford?

Housing ≤ 28% of gross monthly income (front-end). Total debts ≤ 36% (back-end/DTI).

What is DTI ratio?

Debt-to-Income = total monthly debt ÷ gross monthly income. Lenders want DTI below 36–43%.