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    CalculatorsFinanceHome Affordability & DTI Calculator

    Home Affordability & DTI Calculator

    Calculate maximum purchase price, loan limits, PITI payment, and front/back-end DTI ratios across underwriting guidelines.

    Calculate

    Home Affordability & DTI Calculator

    Calculate the maximum home price and mortgage loan you qualify for based on household income, monthly debt obligations, down payment funds, and mortgage underwriting DTI ratios (28/36 Conservative, 33/43 Conventional, 38/49 FHA).

    1. Income, Debt Obligations & Down Payment
    Enter your pre-tax income, existing monthly debt payments, and available down payment savings.

    Pre-tax base salary, bonuses

    Spouse or co-signer income (optional)

    Auto loans, student loans, min credit cards

    Cash available for purchase

    Reserved funds to keep untouched

    Debt-to-Income standard

    2. Mortgage Terms, Taxes & Property Costs
    Configure mortgage interest rates, property taxes, insurance, and HOA dues.

    Expected fixed loan rate

    Mortgage duration

    National avg: ~1.1% – 1.3%

    Hazard/home insurance premium

    $0 for non-HOA homes

    Applies if down payment < 20% (0.5%–1.0%)

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