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PLATE 005 Purchase · DTI Planning

Home Affordability Calculator

Find the home price you can truly afford — income, debts, down payment, and the 43% debt-to-income guideline — before you start touring houses.

Max Home Price$402,000 Max Loan$362,000 Housing Payment$2,840 DTI43% Max Home Price$402,000 Max Loan$362,000 Housing Payment$2,840 DTI43%

Inputs

Income, debts, and your down payment.

$
$
Car, student, credit cards, child support — anything on your credit report.
$
Max Home Price
$402,000
Max Loan Amount$362,000
Est. Monthly Payment$2,840.00
Debt-to-Income Ratio43%

Based on a 43% max debt-to-income ratio. FHA and VA programs may allow higher ratios.

Max Home Price
$402,000
with your down payment
Max Loan Amount
$362,000
at the 43% DTI cap
Housing Payment
$2,840
principal + interest only
DTI
43%
back-end ratio

Where Your Income Goes

Housing budget vs. other debts vs. what's left over.

Housing (max) Other Debts Remaining Income
FIG. 01Income Split SCALEMONTHLY UNITUSD STATUSLIVE

Price vs. Rate

How much home each rate supports at your budget.

Affordable Price
FIG. 02Price By Rate UNITUSD STATUSLIVE

Analysis

Adjust the inputs above — the analysis updates automatically.

Key Figures

Gross Income
$8,000
Existing Debts
$600
Housing Budget
$2,840
DTI
43%
Remaining Income
$4,560
Max Home Price
$402,000

Debt-to-Income Gauge

10-segment meter — full scale = the 43% conventional ceiling.

Debt-to-Income Ratio 43%
0%21.5%43% ceiling65%86%

Found your number?

Get pre-approved so you can shop with confidence — sellers take cash-ready buyers seriously.

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Estimates Only — Not a Loan Offer

Results shown are estimates for educational purposes only and are not a loan approval, commitment, or offer to lend. Your actual payment, rate, and eligibility will be determined at application based on your credit, income, assets, property, and current market conditions.

Eagles Funding Group, NMLS #2450816 · Licensed by the Florida Office of Financial Regulation · Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Consumer access: www.nmlsconsumeraccess.org.