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How Much House Can I Afford?
Finds the price range whose full monthly payment (principal, interest, tax, insurance, PMI when under 20% down) fits the widely published 28/36 debt-to-income guidelines for your income, debts, and savings.
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How Much House Can I Afford?
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The method
How it works
01
We assume your savings cover closing costs first, then up to 20% down (anything above stays as reserves).
02
The comfortable maximum is the price whose payment plus your existing debts stays inside the ~36% total-debt guideline.
03
The conservative target fits the housing payment alone inside the ~28% guideline.
Monthly P&I = L·r/(1−(1+r)^−n) (public-domain amortization); 28/36 rule per consumer-finance references.
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