How much home fits your budget
Affordability
Income, debts, adjustable DTI limits, down payment and cash available. Results are estimates, not approval decisions.
Car, student loans, minimum card payments, child support
Closing costs are reserved first; the rest goes to down payment
% of price
Estimate only — not an approval decision. not a loan approval, pre-approval or commitment to lend. Approval depends on credit, income verification, assets, reserves, property and underwriting findings.
Conservative (28/36)
$411,900
$3,266.30/mo housing
Your settings
$411,900
$3,266.30/mo housing
Stretch (50% DTI)
$615,800
$5,182.56/mo housing
At your settings
- Loan amount
- $354,257
- Down payment
- $57,643
- Est. closing costs
- $12,357
- Front-end DTI
- 28%
- Back-end DTI
- 33.57%
- Limited by
- Housing-to-income (front-end DTI)
- Principal & interest$2,239.15
- Property tax$720.83
- Insurance$205.95
- Mortgage insurance$100.37
DTI defaults reflect common program guidelines; automated underwriting may approve higher or lower ratios. VA loans also require residual income, which this estimate does not model.