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.
Results
Includes P&I, taxes, insurance, HOA, and PMI (if LTV > 80%).
Price − Down payment.
Caps above show the maximum total monthly housing outlay (PITIA) allowed by your settings.
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