Mortgage calculator
Mortgage Affordability Calculator
Estimate your maximum affordable home purchase price based on income, debt, and DTI.
September 2026
Enter your details
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How we calculate
A transparent estimate you can inspect.
Formula
Calculates maximum affordable home price by solving for total monthly housing capacity (PITI + HOA) within your target Debt-to-Income (DTI) ratio minus existing monthly debt payments, combined with your available down payment.
Privacy
Your values are calculated locally and are not sent to a server by this calculator.
Use with care
Results are for informational purposes, not financial, tax, legal, lending, or investment advice.
Understanding your results
The result is a planning estimate based on the DTI and housing-cost assumptions you entered.
Assumptions and limitations
- Not a lender approval amount.
- Underwriting requirements vary by lender.
Common questions
Before you decide
Does this include every home cost?
No. Review the included fields and plan separately for maintenance, closing costs, and PMI where relevant.
Is this a loan offer?
No. It is an estimate, not lending or financial advice.