DTI capsLTV / PMIPITIA breakdown
House Affordability Planner
Estimate how much home you can afford, with quick presets, clear caps, and a colorful monthly breakdown.
Quick presets
1) Income & Debts
2) Loan & Down Payment
3) Monthly Costs
Applies when LTV > 80%. Typical range ~0.5%–1%/yr.
4) Policy Caps
How we compute affordability
We cap monthly housing cost by the smaller of (i) the front-end 28% of gross monthly income (if enabled) and (ii) your back-end DTI cap minus other monthly debts. Payment uses the standard fixed-rate mortgage (PMT) formula; PMI is included only when LTV > 80%.
Educational tool only; lenders vary by product/credit/underwriting.
See also: Mortgage
Results
Maximum Home Price
$442,639.66
Includes P&I, taxes, insurance, HOA, and PMI (if LTV > 80%).
Estimated Loan Amount
$382,639.66
Price − Down payment.
Monthly PITIA
$3,500.00
P&I $2,481.79Taxes $600.00Insurance $120.00HOA $75.00PMI $223.21
Front-End DTI (cap 28%)
28.00% (cap on)
100% of cap
Back-End DTI
32.00% (cap 36.00%)
89% of cap
LTV vs PMI threshold (80%)
LTV 86.44%
100% of cap
Front-end cap: $3,500.00Back-end cap (after debts): $4,000.00Binding cap: $3,500.00
Caps above show the maximum total monthly housing outlay (PITIA) allowed by your settings.