I am a: Homeowner / Seller Buyer / Moving Up
Affordability Engine

How Much Home Can You Afford?

Get income-based purchase ranges across DTI thresholds. Understand exactly where you qualify — and where you're comfortable.

Your Financial Profile
Annual Gross Income
$120,000
$40K$500K
Monthly Debt Payments
$500/mo
$0$5K/mo
Down Payment Available
$80,000
$5K$500K
Interest Rate
6.875%
4%10%
Property Tax Rate
0.55%
0.3%2.5%
Monthly Savings (Reserves)
$2,000/mo
$0$10K/mo
Conservative — 28% DTI (Front-End)
$--
Max purchase price · Payment: $--/mo
Enter your income to see your range.
Moderate — 36% DTI (Back-End)
$--
Max purchase price · Payment: $--/mo
DTI leaves less cushion — manageable with stable income.
Maximum — 43% DTI (Lender Limit)
$--
Max purchase price · Payment: $--/mo
Stretched budget. Minimal financial buffer — proceed carefully.
Closing Costs (Est.)
Lender Fees$--
Title & Escrow$--
Inspection & Appraisal~$1,200
Prepaid Interest (15d)$--
Est. Total Closing$--
Cash to Close
Down Payment$--
Closing Costs$--
Move-In Reserve (2mo)$--
Total Cash Needed$--
—
Qualification Signals
PMI Required?—
Est. PMI/mo—
Reserves After Close—
Months of Reserves—
Comfort Zone Range—
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