Home Affordability Calculator
Enter your income and debts to find the maximum home price and mortgage payment you can comfortably afford.
Car, student loans, credit cards (minimums)
Frequently Asked Questions
What is the 28/36 rule?
Spend no more than 28% of gross monthly income on housing (front-end ratio) and no more than 36% on total debt including housing (back-end ratio). This is the traditional conservative guideline. FHA loans allow up to 31/43.
How much should I put down on a house?
20% avoids PMI (Private Mortgage Insurance, which adds 0.5-1.5%/year to your loan cost). But 3-10% down is common — calculate whether avoiding PMI is worth delaying purchase in your market. In high-appreciation markets, buying sooner may outweigh PMI costs.
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