Affordability calculator

Pure math. No backend call. Mortgage rate pre-filled from latest MORTGAGE30US (2026-04-23).

🧮 Monthly payment

Home price ($)

Down payment (%)

Mortgage rate (%)

Loan term (years)

Property tax (%/yr)

Insurance ($/yr)

HOA ($/mo)

Total monthly housing cost (PITI + HOA)

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P&I —
Property tax —
Insurance —
HOA —

Household income ($/yr)

Target DTI (%)

Other monthly debt ($)

Max home price at current rate & DTI

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Max monthly PITI —
Implied loan —
Your DTI burden —

Disclaimer: estimates only, not an underwriting decision. Actual approval depends on credit score, reserves, LTV, PMI, and lender overlays.