Mortgage Affordability Calculator
Estimate how much house you can afford from income, debts, rate, and down payment. Planning estimate only — not a loan offer.
Frequently asked questions
Is this a lender approval?
No. It is a planning estimate using a DTI cap and amortizing loan math — not a loan offer or underwriting decision.
What rules of thumb are used?
Housing budget ≈ income × DTI% − other debts − tax/insurance. Max loan is the present value of that principal-and-interest payment over the term.
Is anything uploaded?
No. Your numbers stay in the browser and are not sent to a server.