Loan Affordability Calculator

The Loan Affordability Calculator answers “how much home can I afford?” from your income, existing debts, down payment, rate and DTI limits. It returns the maximum monthly housing payment, the maximum loan and the maximum purchase price — the guardrails before you shop.

• DTI-based: Front-end and back-end limits, lower wins.
• Max payment: Highest sustainable monthly housing cost.
• Max loan & price: Loan then price from the down payment.
• Debt aware: Existing debts reduce capacity.
• Export: CSV, JSON or plain text.

1. Income: Gross monthly (or annual) income.
2. Debts: Other monthly debt payments.
3. Down & loan: Down payment, rate, term, DTI limits.
4. Read: Max payment, loan and price.
5. Export.

Example 1 — Clean file. $8k/mo income, no debt, 28% front-end: ~$2,240 housing, large buying power.

Example 2 — Car loan. $500/mo debt cuts the back-end allowance and the price.

Example 3 — Big down. More down raises max price for the same payment.

Example 4 — Higher rate. Rate rise lowers the loan a payment supports.

Example 5 — Stricter DTI. A 36% back-end cap vs 43% trims capacity.

• Shop with confidence: Know your ceiling before looking.
• Debt reality: See how existing loans shrink capacity.
• DTI clarity: Understand the limits lenders use.
• Private: No account, no upload, nothing stored.