mtgcalculator

Home affordability calculator

Calculates the maximum home price you can afford under the standard 28/36 debt-to-income guideline used by most mortgage underwriters.

Home affordability calculator

Uses the classic 28/36 debt-to-income guideline. Shows the binding constraint so you know whether your income or your existing debts is the limit.

Income, debts & down payment

Used for the 28/36 DTI caps and how much you can put toward a home.

Loan & ongoing housing costs

Interest rate, term, and estimates rolled into your housing DTI.

Front-end (28%)

$386,777

Back-end (36%)

$403,358

Max home price

$386,777

Estimated PITIH: $2,520/mo