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Mortgage Affordability Calculator

Maximum house price you can afford under DTI rules.

Estimate the largest mortgage and house price you can afford from gross income, monthly debts, down payment, and a target debt-to-income ratio.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

$
$
$
%
%
yrs

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Max housing payment = income × DTI − other debts. Max loan = housing payment / monthly mortgage factor.

In depth

Estimate the largest mortgage and house price you can afford from gross income, monthly debts, down payment, and a target debt-to-income ratio.