Home Affordability Calculator – Free & Client-Side

Calculate your maximum recommended home purchase price and loan amount using standard debt-to-income (DTI) underwriting ratios and realistic down payments.

Mathematical Formula

Front-End Limit = Gross Monthly Income × 28%; Back-End Limit = (Gross Monthly Income × 36%) - Monthly Debts.

Frequently Asked Questions

What is the 28/36 rule?
The 28/36 rule dictates that your housing costs (mortgage, taxes, insurance) should not exceed 28% of your gross monthly income, and your total debt payments (housing + student loans + car loans + credit cards) should not exceed 36%.
How do existing monthly debts impact my affordability?
Every $100 of existing monthly debt (such as auto loans or minimum credit card payments) can reduce your qualifying mortgage borrowing capacity by roughly $14,000 to $18,000 depending on current interest rates.

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