Calculator
Affordability Calculator
A rough ceiling on purchase price based on income, existing debts, and a target debt-to-income ratio.
Affordability Calculator
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$
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yrs
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$/yr
$/yr
Max monthly payment
Max loan amount
Estimated max purchase price
This is a rough planning estimate, not a pre-approval. Lenders apply their own debt-to-income limits, credit criteria, and stress-test buffers on top of this math.
The formula
Max payment
Max price
This is a planning estimate, not a pre-approval — actual lenders apply their own underwriting rules, credit requirements, and rate-stress buffers that this simple formula does not model.
Debt-to-income (DTI) limits vary by lender and loan program; 36% is a commonly used planning figure, but qualifying DTI can run higher or lower depending on the loan type.