How much house can I afford?
Enter your income, monthly debts, and down payment to estimate the home price and loan amount you can comfortably support.
Reviewed by Brian Stroka, NMLS #1682839·Free, no signup·Equal Housing Lender
Max home price
$387,876
Max loan amount
$347,876
Est. monthly payment
$2,725
Estimate at 43% DTI, 30-year term, taxes + insurance included. For illustration only, not a pre-approval.
Frequently asked questions
- How is affordability calculated?
- We work back from a target debt-to-income (DTI) ratio: your total monthly housing payment plus existing debts, divided by your gross monthly income. Most conventional programs look for a back-end DTI around 43% or lower.
- Does this guarantee I'll be approved for that amount?
- No. Actual approval depends on credit, assets, property type, and the specific loan program. Use this as a starting point, then get a personalized pre-qualification.
BS
Questions about your numbers?
Brian Stroka, Loan Officer · NMLS #1682839