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🏡 How Much House Can I Afford?

Calculate your maximum home price based on your income, debts, and down payment. Get instant affordability analysis with debt-to-income ratio breakdown.

DTI Analysis
Income Breakdown
Credit Score Impact

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Income & Monthly Debts

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Down Payment & Credit

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Loan Terms

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Estimated Monthly Costs

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Affordability

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Enter your financial information to see how much house you can afford.

Home Affordability Guide 2025

Understanding DTI Ratios

  • Front-end ratio (≤28%): Housing costs ÷ Gross monthly income
  • Back-end ratio (≤36%): Total debt payments ÷ Gross monthly income
  • Higher credit scores: May qualify for higher ratios (up to 43%)
  • Lower ratios: Better financial stability and loan approval odds

Factors That Affect Affordability

  • Credit Score: Higher scores = better rates and ratios
  • Down Payment: More down = lower monthly payments
  • Interest Rates: Lower rates = more buying power
  • Existing Debts: Less debt = more house you can afford

Tips to Increase Your Home Buying Power

Improve Credit Score:
  • • Pay bills on time
  • • Reduce credit utilization
  • • Pay down existing debt
  • • Check credit reports for errors
Increase Down Payment:
  • • Save aggressively
  • • Consider gift funds
  • • Look into down payment assistance
  • • Delay purchase to save more
Reduce Monthly Debts:
  • • Pay off credit cards
  • • Avoid new debt
  • • Consider debt consolidation
  • • Increase income if possible