Tools
Affordability Calculator
See how much home you can comfortably afford based on your income, debts, and down payment.
Max Home Price
28% front-end DTI
$309,351
Max Home Price
36% back-end DTI
$326,186
Estimated Monthly Payment$2,240
Payment as % of income28%
Front-end vs. back-end DTI
Front-end DTI looks at how much of your gross monthly income goes toward your housing payment alone. Lenders generally like this at 28% or below.
Back-end DTI includes all your monthly debts (car payments, student loans, credit cards) plus housing. Lenders typically want this at 36% or below, though many programs allow more.
These are estimates based on standard DTI guidelines. Your actual buying power depends on credit, loan program, and current rates.