Affordability Calculator

How much house can I afford?

Debt to Income Ratios
Front Ratio % Back Ratio %
Generally you won't have to modify the debt to income ratios in this calculator. The standard debt to income ratio is 33/38. If you wish to adjust these settings consider the following: The front ratio is the percentage of your monthly gross income (before taxes) that is used to pay your housing costs, including principal, interest, taxes, insurance, mortgage insurance (when applicable) and homeowners association fees (when applicable). The back ratio is the same thing, only it also includes your monthly consumer debt. For the purposes of this calculator, input the maximum percentages that your lender will allow when extending a loan.
Other Information
Gross Income: $
Down Payment $
Monthly Consumer Debt Payments $
Anticipated Interest Rate % Term of Loan years

The accuracy and applicability of the calculators on this site is not guaranteed. The calculation tools available are for demonstration purposes and may not compare directly to your actual loan.


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