Front/Back DTI Mortgage breakdown Runs in-browser

Home Affordability Calculator (DTI-Based)

Estimate how much house you can afford using front-end and back-end DTI targets. Include taxes, insurance, PMI, HOA, and see the full monthly payment breakdown.

Max home price — Calculated from income, debts, and DTI limits

Housing payment — Principal & interest + taxes/fees

Back-end DTI — Housing + existing debts / income

Run Calculator FAQ

All math runs locally in your browser. We never upload your data.

Inputs

Adjust income, DTI standards, and property assumptions to see how affordability changes.

Income & Debts Gross Monthly Income Existing Monthly Debts

Down Payment

Down Payment (%)

Loan Details Mortgage APR (%)

Loan Term (years)

Property Tax Rate (annual % of home price)

Homeowners Insurance (monthly) HOA Fee (monthly) PMI Rate (annual %, applied if LTV > 80%)

DTI Standards

Results

All values update when you calculate. Adjust assumptions to explore scenarios.

Max home price —

Down payment — LTV —

Component	Monthly
P&I	—
Property tax	—
Insurance	—
PMI	—
HOA	—
Total housing	—

How Much House Can I Afford?

The calculator balances front-end DTI (housing payment ÷ gross income) and back-end DTI (housing payment + other debts ÷ income). The lower of the two limits sets your maximum monthly housing budget, which is then converted into a home price by estimating mortgage, taxes, insurance, PMI, and HOA.

Tip: Try tightening the DTI sliders or increasing the down payment to see how PMI and total housing cost respond.

Mortgage Payment Breakdown

Principal & Interest

Calculated with the standard amortization formula using the chosen APR and term. A lower term or higher rate increases this component.

Taxes & Insurance

Property taxes depend on the home price and local rate. Insurance can be a fixed monthly amount or a % of the price per year.

PMI & HOA

Private Mortgage Insurance applies when the loan-to-value (LTV) exceeds 80%. HOA dues are optional monthly fees from your association.

FAQ

What’s the difference between front-end and back-end DTI?

Front-end DTI looks only at housing costs. Back-end DTI includes housing plus all other monthly debts. Lenders typically require both to stay within recommended ranges.

What is PMI?

Private Mortgage Insurance protects the lender when your down payment is below 20%. It’s usually charged monthly until LTV drops below 80%.

How accurate are the tax and insurance estimates?

We use the rates you provide. Actual rates vary by county, property type, credit profile, and insurer. Treat the results as a budgeting baseline.