Back to StopsStop #5 · How Much Can I Afford

How Much Home Could Fit? 🏡

Compare what may fit your debt-to-income ratio with the monthly payment that actually feels comfortable. This is a starting point—not a permission slip or pre-approval.

Your monthly picture

Use gross income (before taxes). Include debts that normally appear on a credit report, not groceries or utilities.

Gross monthly household income

Monthly debt payments

Comfortable total housing payment

The payment that fits your life. We'll never show a price above what you're comfortable spending.

Planning DTI limit

Estimated interest rate

Loan term

Down payment

Monthly HOA dues

Planning estimate

$347,907

$2,600 estimated total / month

Estimated total DTI: 38.2% of your income (limit: 43.0%)

Principal & interest$2,089

Property taxes$159

Homeowners insurance$200

Mortgage insurance$151

HOA + other$0

Estimated loan amount$330,512

Estimated down payment$17,395 (5.0%)

Your comfortable payment is the limiting number here—and that is useful. A lender may approve more than you want to spend.

Talk Through My Numbers With Kat

Need an official pre-approval letter?

Get officially pre-approved with Kat Fish at Edge Home Finance in just a few minutes.

Get Pre-Approved Now Schedule Clarity Call

Educational estimate only. This calculator does not account for every underwriting rule, loan-level pricing adjustment, credit profile, closing cost, prepaid item, funding fee, upfront mortgage insurance, special assessment, income calculation rule, reserve requirement, or program limit. DTI is only one part of loan qualification. Rates, taxes, insurance, mortgage insurance, HOA dues, and program eligibility vary. This is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines.