Home Affordability Calculator (DTI-Based)
Three answers: conservative, comfortable, and stretch — based on your income, debts, and 2026 mortgage rates.
Student loans, car loans, credit card minimums, alimony — not utilities or groceries.
Conventional PMI. Auto-applied when down payment is below 20%. Typical 0.4-1.5%/yr.
Comfortable home price
$0
Using the realistic 2026 25/35 affordability framework.
Conservative
$0
Comfortable
$0
Stretch (28%)
$0
Comfortable scenario monthly breakdown
Principal & interest$0
Property tax$0
Homeowner’s insurance$0
PMI (if applicable)$0
HOA$0
Total PITI + HOA$0
Estimates only. Actual lender approval depends on your specific credit score, employment history, debt-to-income ratio, and loan program. Get a Loan Estimate from 3 lenders before relying on any affordability figure.
Free calculator by CalcCottage