Affordability Calculator

How much home can you comfortably afford?

Affordability Calculator

How much house can you afford?

Annual Household Income

Monthly: $10,000.00

Monthly Debts (car, student loans, etc.)

Include all recurring minimum payments, excluding rent/mortgage.

Available Down Payment

Loan Details

Interest Rate

Loan Term

Property Tax Rate

Annual property tax as % of home value

Annual Homeowners Insurance

Estimated Price Range

Conservative

$411,516

Based on 28/36% DTI rules

Stretch

$411,516

28% front-end only

DTI Rule Limits

28% Front-End Rule

Max PITI on housing alone

$2,800.00/mo

36% Back-End Rule

Max PITI after existing debts

$3,100.00/mo

How this works: Lenders typically use a 28% front-end DTI (housing costs ÷ income) and a 36% back-end DTI (all debts ÷ income). Your conservative estimate uses the more restrictive limit; stretch uses only the 28% front-end.

Found your range?

Delphine can help you find homes that fit your budget and goals.

Talk to Delphine

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