Calculator
How much home can I afford?
Estimate a home price range based on your income, existing debt, and down payment — using the same debt-to-income guardrails many lenders start from.
Your numbers
Estimated max home price
Estimate
$278,542
Your housing payment alone relative to your income — often called front-end DTI — is what's capping this number, even though your total debt load leaves more room.
Estimated monthly payment at that price
Max affordable housing payment: $2,100/mo
Principal & interest$1,634
Property tax$255
Home insurance$81
PMI$129
HOA$0
Total monthly payment$2,100
Loan-to-value: 92.8%
This is an estimate for planning purposes, not a pre-approval or lending decision. Your actual maximum loan amount depends on a full underwriting review — confirm real numbers with a licensed lender.