Free Tool · No Email Required
How much house can you afford?
Enter your income, debts, and down payment. Get a real maximum home price using the same DTI math underwriters use — not the inflated "approval ceiling" most calculators show.
Your numbers
Car loan, credit card minimums, student loans, child support — not rent or utilities.
Arizona average is 0.6%.
Maximum home price
$485,000
Based on 43% back-end DTI, your income, and current rates.
Front-End DTI
28%
Comfortable
Back-End DTI
36%
Strong
How this calculator works
Lenders use two ratios: front-end DTI (housing payment ÷ gross income) and back-end DTI (total monthly debt + housing ÷ gross income). Conventional loans typically cap back-end DTI at 43-50%; FHA can go higher.
This calculator targets a 36% back-end DTI by default — the "comfortable" ceiling, not the maximum. Underwriting may approve you for more, but that doesn't mean you should buy at the absolute ceiling. Logan walks through your real numbers (and the trade-offs) on a 15-minute pre-approval call.
Estimate is one number. Approval letter is another.
Same-day pre-approval. Real lender, real numbers, no surprises.