How much house can I afford on my salary?

It depends on your income, debts, down payment, and rate. Lenders often cap total debt near 43% of gross income. This tool estimates the price that fits.

What DTI should I use?

Many programs allow up to about 43%, some more. A lower target leaves more monthly cushion.

Calculators / Affordability

How Much House Can I Afford?

Estimate the home price you can target from your income, debts, and down payment. Educational estimate, not a pre-approval.

Gross income /mo

Other debts /mo

Down payment $

Target DTI %

Rate %

Term (yrs)

Property tax %/yr

Insurance %/yr

Estimated home price you can target

Max monthly payment (PITI)$0

Loan amount$0

A guide only. Real approval depends on credit, program, reserves, and full underwriting. Run the full calculator to see the payment on a specific price.

How this works

Lenders cap your total monthly debt at a share of income, called debt-to-income. This tool takes your target DTI, subtracts your existing debts, and solves for the largest home price whose full payment, including taxes and insurance, fits the budget.

Important disclosures. LoanFitCalc is a free educational tool that provides estimates only. It is not a loan, a loan approval, a commitment to lend, a rate lock, or an offer to make a loan, and it does not provide financial, legal, or tax advice or recommend a specific loan for you. Mortgage insurance rates, funding and guarantee fees, loan limits, taxes, and insurance figures are typical published values used for estimation and are subject to change. Program eligibility rules are summarized and simplified. Actual terms depend on your full application, credit, property, and lender underwriting. Consult a licensed mortgage loan originator before making any decision. LoanFitCalc is an independent educational website and is not a lender. ⌂ Equal Housing Opportunity

How Much House Can I Afford?

How this works

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