Home Affordability Calculator
US lenders size a mortgage against your income and existing debts. Enter your numbers to see the home price and monthly payment your budget supports.
Your finances
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Car loans, student loans, minimum credit card payments.
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36% is the common back-end limit in the 28/36 rule.
Home price you can afford
$397,831
Maximum loan$337,831
Maximum monthly housing payment$2,650
Share of gross monthly income28.9%
How this works
This uses the back-end debt-to-income approach: your total monthly debt, including the new housing payment, stays under the limit you set. The 28/36 rule caps housing at 28% of gross income and all debt at 36%.
Lenders also weigh credit score, reserves and loan program, so treat this as a planning figure rather than a pre-approval.