Uses the trusted 28/36 rule — plus your real property taxes, insurance, PMI and HOA — to show a Safe, Stretch and Maximum home price. Updates as you type.
Adjust anything — results update instantly.
PMI kicks in automatically if your down payment is below 20%.
Your info is saved on this device only. No account required — future tools on this site will pre-fill from the same profile.
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Lenders and financial planners use two DTI ratios: housing shouldn't exceed 28% of gross monthly income, and total debt shouldn't exceed 36%. We show three tiers — Safe, Stretch and Maximum — so you can see where you're comfortable.
Your monthly payment isn't just principal & interest — it also includes property tax, home insurance, PMI (if you put less than 20% down), and HOA. We include all of them and search for the maximum home price that still fits your budget.
Everything updates as you type. No form to submit, no signup. We save your core numbers on your device only so future tools on this site can pre-fill them.