Estimate how much house you can afford in a few steps.
Provide your gross annual household income before taxes.
Include all recurring monthly debts such as car loans, student loans, and minimum credit card payments.
Enter your available down payment as a percentage or fixed amount.
Fill in the expected interest rate, loan term, and estimated monthly property taxes, insurance, and HOA fees.
Check the maximum home price, maximum housing payment, and your front-end and back-end DTI ratios.
DTI is the percentage of your gross monthly income that goes toward debt payments. Lenders use two DTI limits: the front-end ratio (housing costs only, typically 28%) and the back-end ratio (all debts, typically 36%).
Include all recurring monthly debt obligations: car loan payments, student loan payments, minimum credit card payments, personal loan payments, and any other installment debt.
This field should include your estimated monthly property taxes, homeowners insurance premium, and any HOA (Homeowners Association) fees. These costs are part of your total housing payment.
The calculator finds the maximum monthly mortgage payment allowed by your DTI limits, then works backward to determine the largest loan amount and home price that payment can support given your interest rate and loan term.
Calcule cuánta casa puede pagar según sus ingresos, deudas y pago inicial con un análisis de DTI.
La Calculadora de Asequibilidad de Vivienda utiliza el análisis de la relación deuda-ingresos (DTI) para determinar el precio máximo de la vivienda que puede pagar.
Estime cuánta casa puede pagar en pocos pasos.