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How Much House Can I Afford?
Find out your maximum home price based on your income, debts, and savings using the same DTI rules lenders actually use.
Your Financial Picture
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Total household income before taxes
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Car payments, student loans, credit cards, child support, etc.
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Cash you have for the down payment
Loan Assumptions
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Check today’s rates with a lender
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Typically 1-2% of home value (varies by state)
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$1,500-$3,000+ in Florida (higher in coastal areas)
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Leave 0 if no HOA
Recommended Home Price
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Based on the 28% housing rule which keeps your housing payment at a comfortable and sustainable level
Your DTI Snapshot
Housing-to-Income Ratio
0%
Lenders prefer 28% or less (front-end DTI)
Total Debt-to-Income Ratio
0%
Lenders prefer 36% or less (back-end DTI)
Three Affordability Scenarios
Different lenders and personal philosophies suggest different limits. Here’s how each scenario looks:
✓ Conservative (25%)
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Monthly: $0
More room in budget — recommended for first-time buyers
★ Moderate (28%)
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Monthly: $0
Industry standard — what lenders typically allow
⚠ Stretched (36%)
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Monthly: $0
Maximum lender allowance — house-poor risk
Ready to Make It Real?
These numbers are estimates based on the 28/36 rule. To know exactly what you qualify for, get pre-approved by a lender. Pre-approval gives you a real budget and the negotiating power sellers respect.
Check Pre-Approval Readiness
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Disclaimer: This calculator provides estimates based on common lending guidelines. Actual loan amounts depend on credit score, employment history, lender requirements, and other factors. Property taxes and insurance vary significantly by location. This is not a loan offer. Consult a licensed mortgage lender for accurate qualification.