Affordability Calculator | Home & Mortgage Finder
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Affordability — how much home can I buy?

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

Before taxes. Include co-borrower if applicable.
Auto/credit cards/student loans, etc. (minimums)
Enter % of purchase price. Example: 10
Estimate works with any conventional/VA/FHA/etc. rate.
Common targets 36–45%; some programs allow higher.
Typical 0.6–1.5% depending on county.
Rough monthly average; varies by home/coverage.
Used if down < 20% (FHA/USDA use their own MI/fee; this is a generic estimate).
Estimated max purchase price
Estimated down payment
Estimated loan amount
Monthly housing budget
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.