House Affordability Calculator

Determine your home purchasing power using professional lending standards.

Financial Profile
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Total income before taxes.
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Car, student loans, credit cards.
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yrs
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Buyer's Checklist

Most lenders use the "conservative" 28/36 ratio. If you have low debt, you might qualify for "aggressive" limits up to 45%.

Lender Guidelines
Conservative28/36
FHA Standard31/43
Conventional36/45
Hidden Costs
  • Closing Costs (2-5%)
  • PMI (if <20% down)
  • Maintenance Buffer
Mortgage Tip

Don't forget property taxes and insurance! These "hidden" housing costs can account for 20-30% of your total monthly obligation in high-tax areas.

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