Purchase · Calculator
How Much HomeCan You Afford?
Enter your income, debts, and down payment to see your estimated maximum purchase price — based on the 28/43 DTI guidelines most lenders use.
Based on 28% front-end / 43% back-end DTI guidelines. Actual approval varies by lender and loan type.
How Lenders Calculate Affordability
Most lenders apply two debt-to-income (DTI) tests. The front-end ratio limits your housing payment to roughly 28% of gross monthly income. The back-end ratio limits all monthly debts (housing + car + student loans + credit cards) to roughly 43%. This calculator uses whichever limit is lower — the more conservative of the two.
These are guidelines, not rules. Some loan programs allow higher DTIs, and your credit score, reserves, and loan type all affect what you actually qualify for. A broker can often find programs that stretch these limits when it makes sense.
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These Estimates Are a Starting Point.
Your actual payment, qualifying amount, and rate depend on your credit profile, loan type, and the specific lender program. A 15-minute call is the fastest way to get real numbers across 100+ wholesale lenders.
Sean Leighton Gray · NMLS #1523173 · Licensed in AZ, IL & TN
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