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Affordability Calculator
Find out how much home you can afford in the United States based on your income, debts, and current interest rates.
Your Income & Debts
Combined income before taxes
$
$30,000$1,000,000
Car loans, student loans, credit card minimums, etc.
$
$0$10,000
$
$10,000$2,000,000
Monthly Housing Costs
Annual property tax ÷ 12
$
$0$3,000
Estimate ~$150–200/month for a typical home
$
$0$1,000
Condo fees are counted toward housing costs. Enter 0 if not applicable.
$
$0$3,000
Mortgage Terms
%
0.5%15%
yrs
5 yrs30 yrs
Debt-to-Income Analysis
Front-End Fail
Back-End Pass
Front-End DTI (Housing)
28.0%/ 28% limit
Back-End DTI (Total Debt)
33.0%/ 36% limit
Conventional loan guidelines: front-end DTI ≤ 28% and back-end DTI ≤ 36% of gross monthly income. FHA allows up to 31%/43%.
Your Affordability
Maximum Home Price
$489,139
Down payment: $100,000
Maximum Mortgage
$389,139
Estimated Monthly Payment
$2,250
At 4.89%
Monthly Gross Income
$10,000
Monthly Payment / Income
22.5%
PilotLend provides educational mortgage estimates and does not constitute financial advice. Actual qualification depends on your lender's criteria.