Mortgage Affordability Calculator
What will a lender let you borrow? Enter gross income and monthly debts for a Debt-to-Income (DTI) estimate which lenders use to determine how large of a loan you can afford.
Affordability calculator
Your numbers
Lenders use debt-to-income (DTI) to cap the loan. Housing (front-end) is the mortgage vs income. Total debt (back-end) adds car loans, student loans, and credit cards. This estimate is principal and interest only. Taxes and insurance are not included.
FHA DTI limits: 31% housing (front-end) · 43% total debt (back-end)
Auto, student loans, credit cards, etc.
Enter your gross monthly income to see what a lender may approve.
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Want to plan what you should spend?
Our Home Affordability Budget Planner is a far more detailed tool. See a sustainable range based on a 50/30/20 budget and full payment breakdown (taxes, insurance, mortgage insurance)—as well as the max a lender will approve.
Browse our educational articles to understand each loan type (FHA, VA, USDA, conventional), the implications of making a minimum down payment, mortgage insurance, and more.