buncha/finance/affordability

Home Affordability

Annual gross income ($)

Other monthly debt ($)loans, cards, child support

Down payment %

Interest rate %

Loan term (years)

Property tax %/yr

Insurance ($/mo)

HOA ($/mo)

Advanced · DTI ratio overrides

Front-end ratio %Housing only

Back-end ratio %Housing + all debt

Defaults follow conventional underwriting (28/36). FHA goes to 31/43; some manual underwrites stretch further with strong reserves.

Max home price

$450,020

Bound by your front-end ratio

Down payment

$90,004

Loan amount

$360,016

Principal & interest

$2,276/mo

Property tax

$450/mo

Insurance + HOA

$100/mo

Total PITI

$2,826/mo

What's PITI: Principal, Interest, Taxes, Insurance — the four monthly costs lenders care about. We add HOA dues if you have them. PMI (mortgage insurance) kicks in below 20% down — we don't model it; assume your loan officer adds ~0.5% APR for under-20%.

Pairs well with

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About Home Affordability

How much house can you afford? Live PITI calc with conventional 28/36 DTI ratios.

Like every tool on Buncha, this one runs entirely in your browser. There's no upload, no log, no record of what you've pasted or generated. Close the tab and the data is gone.

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