DTI Affordability Calculator

See the most home you can finance while staying within standard debt-to-income limits.

Your numbers

$
$
$
 
%
mo
%/yr
$ /yr
$ /mo
%/yr
%
%
Limits vary by program & lender overlays. 36% conservative, 43% common conventional ceiling, up to ~50% on some programs (e.g. FHA / automated approvals).

How much home you can afford

Max home price
—
 
Max loan amount
—
 
Monthly PITI
—
 
Monthly payment breakdownAmount

Payment breakdown at max price

Check a target price

$

Notes

This estimates affordability by debt-to-income (DTI) ratios only. It is not a pre-approval: it ignores your credit score, cash reserves, employment history, residual income (used on VA loans), and lender overlays. A real approval considers all of these.

DTI limits vary by loan program (conventional, FHA, VA, USDA) and by each lender's own overlays. PMI rules, mortgage-insurance types, and how taxes and insurance are estimated also differ by lender and location.

All figures are estimates for educational purposes only, based on the inputs and general assumptions — not a quote, not financial, tax, or legal advice, and not a commitment to lend. Your actual numbers depend on your lender, credit, and circumstances.