Estimate how much home you might afford. Enter your income, debts, down payment, and rate — results update as you type.
For estimation purposes only. Not a loan offer, commitment to lend, or a quote. Actual rates, payments, and costs vary. Estimates exclude taxes, insurance, and HOA unless you enter them.
Assumes ~43% back-end DTI as a standard benchmark and 36% as a more conservative view — programs vary (FHA and non-QM often stretch further; jumbo can be tighter). Your actual approval depends on credit, program, reserves, and full underwriting.
Standard DTI math assumes W-2 income and traditional tax returns. If you’re self-employed, an investor, retired, or a non-resident buyer, agency guidelines can under-count what you actually make — and this calculator will understate what you can afford.
Non-QM programs qualify on bank statements, P&L, or asset depletion. DSCR loans qualify on the property’s rent, not your income at all. Different math, different answer.
If your file doesn’t fit standard DTI, run the numbers here for context, then call us — we’ll re-work it on the right program.
The tool works backward from your income. It caps total monthly housing (principal, interest, taxes, insurance) at a percentage of gross monthly income — less your existing monthly debts — then solves for the loan amount at your rate and term, and adds your down payment to estimate a home price.
You’ll see two views: a conservative 36% DTI number and a standard 43% DTI number. Actual guidelines vary by program: FHA and many non-QM investors go higher; jumbo often runs tighter; DSCR ignores personal DTI entirely.
Fifteen minutes on the phone beats fifteen minutes with a calculator. We’ll price the file across our full program menu — agency, non-QM, DSCR, jumbo — and tell you the number you can actually take to a seller.