Real estate · Buyer qualification
What house can I actually afford?
Enter income, debts, rate, and down payment. The tool solves for the max home price a lender will underwrite, shows your full monthly payment (with taxes, insurance, and PMI baked in), and flags your debt-to-income ratio against underwriting thresholds.
Max home price
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at 43% back-end DTI
Monthly payment (PITI)
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principal + interest + tax + ins.
Debt-to-income (back-end DTI)
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28%
Comfortable
36%
Front-end target
43%
QM ceiling
50%
Portfolio only
Full underwriting picture
This is a qualification calculator, not a pre-approval. Actual lender approval depends on documented income, asset reserves, employment history, and the specific loan product. Use this to shop honestly - bring it to a lender to lock in a real pre-approval letter.
Regional varianceReal estate figures vary by market and state. Property values, closing costs, insurance, and property tax rates differ significantly by county and state. This tool gives a directional estimate; a licensed agent or lender in your market can produce the exact numbers.
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