Home Affordability & Max Purchase Price Calculator
Discover your maximum home buying budget using standard 28/36 debt-to-income lending guidelines.
🌍 Select Currency / Region:
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Maximum Affordable Home Price
$445,000
Max Monthly Housing (PITI)
$2,566
Loan Amount Financed
$385,000
Front-End DTI Ratio
28.0%
Back-End DTI Ratio
35.1%
About Home Affordability Calculator - How Much House Can I Afford?
Mortgage lenders evaluate your borrowing capacity using standard Debt-to-Income (DTI) thresholds. The 28/36 rule establishes that your total housing expense should not exceed 28% of gross monthly income, and total debt payments (including housing) should not exceed 36%.
💡 How to Use This Calculator
- Enter your gross annual household income before taxes.
- Input your monthly recurring debt obligations (auto loans, credit cards, student loans).
- Set your cash down payment and current interest rates to compute your ceiling budget.
⚡ Key Features & Considerations
📋 Conservative 28/36 Rule
Uses strict conforming loan criteria so you never risk becoming 'house poor'.
💡 Down Payment Integration
Shows how added down payment capital directly expands your home purchase power.
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ToolkitBank Financial Engineering Team • Verified for 2026 Tax & Mortgage Regulations (US, CA, UK) • 100% Client-Side Privacy Guaranteed.
Frequently Asked Questions
What is the 28/36 rule?
The 28/36 rule is a lending benchmark stating housing costs should not exceed 28% of gross income, and total debt (housing + credit cards, car notes, student debt) should stay under 36%.