Mortgage Affordability Calculator

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Quick Summary

Work out how much house you can afford — backwards from your income, debts, down payment, rate, and a target debt-to-income ratio to a maximum home price and monthly payment.

Interactive Client Prototype Sandbox

Annual income

Monthly debts

Down payment

Rate %

Term (yrs)

Target DTI %

Tax / mo

Insurance / mo

HOA / mo

Maximum home price$348,511Loan $308,511 + down payment $40,000

Max housing budget$2,700/mo

Max payment (PITI)$2,300/mo

Principal & interest$1,950/mo

Tax+ins+HOA$350/mo

Estimate only. Uses a back-end DTI (housing + debts ÷ gross income); lenders also apply credit, reserves, and front-end limits. Not a loan offer.

How to use the Mortgage Affordability Calculator

Step-by-Step Guide

Enter your annual income, monthly debts, down payment, rate, term, and a target DTI (plus optional tax, insurance, and HOA). The tool returns your maximum monthly payment, affordable loan, and maximum home price with a breakdown.

Example$90k income, $400 debts, $40k down at 6.5% / 30y and 36% DTI ➔ a max home price in the low-to-mid $300k range.

Who it's for

First-time and move-up home buyers, real estate agents, and mortgage shoppers.

Core Features

Solves backwards from income, debts, and DTI to a maximum home price.
Inverts the standard amortization formula to find the affordable loan.
Factors property tax, insurance, and HOA into the monthly payment.
Shows a full payment-component breakdown; estimate-only, not a loan offer.

🛡️ No tracking — your inputs, keys, and details never leave this client sandbox.