Affordability Calculator
Work backwards from what you earn and what you already owe to a price range you can carry, and see which constraint binds first — the front-end ratio, the back-end ratio or the down payment.
Before tax, all borrowers combined.
Minimum payments on cards, cars, student loans, support orders.
Excluding closing costs and reserves.
Conventional minimum on this page: 3%
Illustrative — not a quoted rate.
Per year, share of price.
Per year, share of price.
Per month.
The first bar is the monthly housing budget the ratios allow. The rest is what a home at that price would cost each month.
A price you could carry
$507,052
Around $466,488 to $507,052 on these inputs
The housing ratio (36% of gross income) binds before the total-debt ratio does.
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Every figure you entered is in the address bar, so the link below reopens this page with exactly these numbers.
Ask a human about these numbers
A calculator cannot see your credit file, your assets or the property. A loan officer can.
Demonstration form — submitting shows the thank-you state and nothing else. No data leaves your browser.