What price your income will carry
Start from income and debts, and see which constraint binds before you see a number.
What you earn and owe
Work forwards from income to a price range — not the other way round.
Before tax, all borrowers combined
Cards, car, student, support
Conventional minimum is about 3%
Per month
Debt-to-income
- Housing only (front)
- 36.0% of 36%
- All debts (back)
- 41.6% of 45%
Price you could carry
$507,052
The binding constraint here is housing cost (front-end DTI). Below it, the payment that price implies.
What this page assumed
- Conventional guidance modelled as 36% housing DTI and 45% total DTI. Real underwriting reads compensating factors and can go either side of these.
- Rate 6.500% over 30 years, 20% down.
- Credit score, reserves, employment history, property type and occupancy all move the answer and none of them are asked for here.
- Every figure on this page is illustrative. It is not a rate, an APR, a quote or a commitment to lend.
Share this result
Every number above is held in this page's web address, so a copied link opens with your figures already filled in.
Talk it through with someone
A demonstration form. It validates, then shows you the thank-you state — it does not send, store or transmit anything.
Numbers are a start, not an answer.
A calculator does not know your credit, your reserves, the property, or what the seller will agree to. On a real site this is where you would talk to somebody.