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

Loan Calculator

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Discount Calculator

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Percentage Calculator

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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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