buncha.tools
buncha/finance/affordability

Home Affordability

Advanced · DTI ratio overrides
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%.

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About Home Affordability

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

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