BUYER RESOURCE

AffordabilityCalculator

Work backward from your income, debts, cash to close, and monthly housing target to estimate a home-price range that actually fits your life.

Budget planning

Estimate a realistic price range before you start shopping.

This tool blends income, recurring debts, cash to close, taxes, insurance, HOA, and a target debt-to-income approach so you can plan from the monthly payment backward.

Gross annual incomeMonthly debt paymentsCash for down paymentInterest rate (%)Loan term (years)Property tax rate (%)Homeowners insurance (annual)HOA dues (monthly)Front-end DTI target (%)Back-end DTI target (%)

Comfortable monthly housing target

$3,383

Built from 28.0% front-end and 36.0% back-end targets.

Comfortable home price

$463,968

Estimated with your selected taxes, insurance, and rate.

Comfortable loan amount

$428,968

After applying your stated down payment cash.

Stretch home price

$593,238

Based on a 43% back-end ratio for scenario planning.

Gross monthly income

$12,083

Your monthly pre-tax income benchmark.

Front-end housing cap$3,383

Back-end housing cap$3,500

Stretch monthly budget$4,346

Monthly debts used$850

Approval limits vary by lender, credit profile, reserves, and loan product. Treat this as planning guidance, not underwriting.