Are these results guaranteed?

No. These are planning estimates. Exact terms depend on your credit profile, property details, and current market conditions.

What DTI should I choose?

Many buyers target 36–45% back-end DTI. Some programs allow higher with strong compensating factors. Your exact target depends on the loan program.

No. Many programs allow lower down payments. If your down payment is under 20% for a conventional loan, mortgage insurance generally applies.

This calculator includes estimates for taxes, insurance, HOA, and—if applicable—mortgage insurance to help you see a realistic monthly total.

Affordability Calculator | Home & Mortgage Finder

Calculator

Estimate a target price and monthly payment based on your income, debts, down payment, taxes, insurance, HOA, and rate.

Gross annual income Before taxes. Include co-borrower if applicable.

Monthly debts Auto/credit cards/student loans, etc. (minimums)

Down payment (%) Enter % of purchase price. Example: 10

Interest rate (APR %) Estimate works with any conventional/VA/FHA/etc. rate.

Loan term

Target back-end DTI (%) Common targets 36–45%; some programs allow higher.

Property taxes (% of price) Typical 0.6–1.5% depending on county.

Homeowners insurance ($/mo) Rough monthly average; varies by home/coverage.

HOA dues ($/mo, optional)

PMI / MI (annual %) Used if down < 20% (FHA/USDA use their own MI/fee; this is a generic estimate).

Estimated max purchase price

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Estimated down payment

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Estimated loan amount

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Monthly housing budget

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Principal & interest—

Property taxes—

Homeowners insurance—

Mortgage insurance (if any)—

HOA dues—

Total monthly housing—

Front-end DTI (housing only)—

Back-end DTI (housing + debts)—

These figures are estimates for planning only and are not a credit decision or commitment to lend.