House Affordability Calculator

Estimate house affordability with transparent assumptions.

Choose an affordability modelUse household income/debt ratios or a fixed monthly housing budget.

2 options

Loan program presetDown payment preset

Annual household income

Mortgage loan term

years

Interest rate

Monthly debt payback

Down payment

Property tax

HOA or co-op fee

$/month

Insurance

$/year

HOUSE AFFORDABILITY RESULT$307,308.08

Program guideline: conventional 28/36; affordable loan amount: $257,308.08; down payment: $50,000.00; monthly housing budget: $2,000.00; estimated ownership costs: $457.31.

Estimate based on the values shown

Formula checkedSolves affordable principal from the monthly amount available after debts and estimated ownership costs. The fixed monthly budget workflow and income-based estimates support conventional 28/36, FHA 31/43, or VA 41% guidelines and exact 10–50% down-payment presets.

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Useful next steps

$MortgageEstimate mortgage with transparent assumptions→$Down PaymentEstimate down payment with transparent assumptions→%Debt-to-Income RatioEstimate debt-to-income ratio with transparent assumptions→