🏠 Home & Property · Tool #02

Mortgage Affordability Calculator

Estimate an affordable loan amount using income, existing debts and both housing and total DTI limits.

Enter your figures

Use the units shown beside each input. Results update when you calculate.

Results

Estimated Loan Amount

—

Target housing payment—

Monthly debts—

Housing DTI assumption—

Loan term—

Planning estimate: housing payment is limited by both the housing DTI and the remaining room under total DTI after existing debts.

How this calculator works

Estimate an affordable home price from income, debts and mortgage assumptions.

Inputs are validated before calculation.
Units are explicitly shown to reduce ambiguity.
Results are estimates based only on the figures you enter.

How to use this calculator

What to enter

Enter or select the following as requested: Gross Monthly Income; Monthly Debt Payments; Annual Interest Rate (%); Loan Term (years); Maximum Housing DTI (%); Maximum Total DTI (%). Follow the units, valid ranges, examples, and options displayed beside each field.

What the result means

Payment, interest, and repayment totals are estimates based on the values and assumptions entered. Actual lender terms, fees, rate changes, and payment dates may change the figures.

When to use it

Use this to compare borrowing or repayment scenarios. Treat the output as an estimate, not a lender quote.