Home Affordability Calculator

Estimate the maximum home price you can afford based on income, debts, and realistic monthly costs (PITI, PMI, HOA).

Buyer & Loan

Gross Annual Income ($)

Monthly Debts (non-housing) ($)

Interest Rate (APR %)

Loan Term (years)

Down Payment

HOA (monthly, optional) ($)

Costs & Ratios

Property Tax Rate (% of price / yr)

Home Insurance (% of price / yr)

PMI (% of loan / yr if < 20% down)

Front-End DTI (Housing) %

Back-End DTI (Total) %

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All figures are estimates.

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Estimated Loan Amount

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Down Payment

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Monthly Payment @ Max Price

Principal & Interest

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Property Taxes

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Home Insurance

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PMI

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HOA

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Total Housing (PITI+PMI+HOA)

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Max Housing by Front-End DTI

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Max Housing by Back-End DTI

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Front-end DTI caps housing costs alone. Back-end DTI caps housing + other monthly debts. PMI drops to $0 at ≥ 20% down. Insurance/tax default to % of price; adjust as needed for local reality.