Home Loans · Calculator

Affordability Calculator

See conservative, moderate, and stretch home price ranges based on your income, debts, and DTI target.

Home Loans · Calculator

Mortgage Snapshot

Rate

6.42%

P&I

$1.9k

LTV

78%

Trend · 12 mo▲ on track

PersonalizedUpdated today

Your inputs

Annual household income

Monthly debtscards, auto, student

Down payment

Credit range

Interest rate

Loan term

Property tax rate

Insurance (yr)

HOA (mo)

Target DTI

ZIP code

Your results

Estimated affordable home price

$325,197 – $525,569

Conservative to stretch range

Conservative

DTI ≤ 28%

$325,197

Mo: $2,300

Moderate

DTI ≤ 36%

$432,062

Mo: $3,100

Stretch

DTI ≤ 43%

$525,569

Mo: $3,800

Estimated loan amount

$392,062

Estimated monthly (PITI+HOA)

$3,100

Front-end DTI

31%

Housing / income

Back-end DTI

36%

All debts / income

Affordability depends on more than DTI: cash reserves, credit profile, property type, and lender overlays all influence what you can actually qualify for. Reserves of 2–6 months of housing costs are commonly recommended. Credit range: 700-739. Allowed monthly housing budget at target DTI: $3,100.

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Based on your home price, location, income, credit range, down payment, and goals, Finance Choices can help you compare mortgage, refinance, home equity, FHA, VA, and other home loan options from relevant partners.

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Finance Choices calculators and simulators are for educational and informational purposes only. Results are estimates and may not reflect your actual loan terms, insurance premium, credit eligibility, interest rate, savings, repayment timeline, approval odds, or total cost. Finance Choices does not provide legal, tax, insurance, mortgage, or financial advice. Partner offers may vary based on credit profile, income, debt, location, property details, insurance history, lender criteria, underwriting guidelines, and other factors.