How Much Home Can You Afford?
Results update instantly as you type.Results update instantly as you type.
💰
Income & Debts
$
$
long-term debts, car, student loan, etc.
🏦
Loan Details
%
🏠
Down Payment
%
= $81,687
Ready to compare mortgages?
Model your exact scenario - fixed vs variable, 15-year vs 30-year, or multiple lender offers.
📋
Ongoing Costs
%
per year
%
per year
%
per year
%
(one-time)
%
per year
Max Home Price
LIVE$408,434
Binding constraint: front-end ratio
P&I
Tax
Insurance
Maint.
You can borrow$326,747
Total price of the house$408,434
Down payment$81,687
Closing cost$12,253
Front-end DTI28.0%
Back-end DTI28.0%
Total one-time at closing$93,940
Monthly mortgage (P&I)$2,119
Annual property tax$6,127
Annual HOA / co-op$0
Annual insurance$2,042
Annual maintenance$6,127
Total monthly cost$3,311
💰
Income & Debts
$
$
long-term debts, car, student loan, etc.
🏦
Loan Details
%
🏠
Down Payment
%
= $81,687
📋
Ongoing Costs
%
per year
%
per year
%
per year
%
(one-time)
%
per year
Max Home Price
LIVEYou can afford a house up to $408,434 according to the 28/36 rule, within which $326,747 is the loan and $81,687 is the down payment.
$408,434
Binding constraint: front-end ratio
P&I
Tax
Insurance
Maint.
You can borrow$326,747
Total price of the house$408,434
Down payment$81,687
Estimated closing cost (one time)$12,253
Front-end DTI28.0%
Back-end DTI28.0%
Total one-time at closing$93,940
Monthly mortgage (P&I)$2,119
Annual property tax$6,127
Annual HOA / co-op$0
Annual insurance$2,042
Estimated annual maintenance cost (repair, utility, etc.)$6,127
Total monthly cost$3,311
Ready to compare mortgages?
Model your exact scenario - fixed vs variable, 15-year vs 30-year, or multiple lender offers.