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Home Loan Calculators · United States
Find the most house you can afford from your income, debts and down payment, using the lender-style 28/36 and 31/43 debt-to-income rules.
Before taxes. Include all borrowers.
Car loans, student loans, credit card minimums. Do not include rent.
Applies when the down payment is under 20% of the price.
Enter your values and press Calculate affordability
Maximum home price
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How it works
Lenders compare your housing payment with your income (the front-end ratio) and your total monthly debt, including housing, with your income (the back-end ratio). The smaller allowed payment wins.
Use your gross annual income, your monthly debt payments and the cash you plan to put down.
Conservative 28/36 is a classic guideline. 31/43 matches typical conventional and FHA limits. Pick custom to test your own ratios.
The table shows the maximum price and payment under every rule, and how a rate one point lower or higher changes your budget.
The maximum price is the largest price whose total housing payment stays within the limit, found by searching over price. Property tax grows with the price, and PMI applies when the down payment is below 20% of that price.
Conservative 28/36 and moderate 31/43 use your PMI rate when the down payment is under 20%. The FHA-style row assumes an annual mortgage insurance premium of 0.55% of the loan at any down payment; real FHA rules also require at least 3.5% down and an upfront premium that is not modeled. Actual lenders use credit score, reserves and automated underwriting, and some approve higher ratios with strong compensating factors. Closing costs, moving costs and maintenance are not included, and you should leave room in your budget for them.
It is a guideline that housing costs should stay under 28% of gross monthly income and total debt payments under 36%. The front-end ratio covers housing only; the back-end ratio adds other debts.
If you carry a lot of monthly debt, the 36% or 43% total-debt cap leaves less room for housing than the front-end ratio would, so it becomes the binding limit.
Yes. It lowers the loan, avoids PMI at 20% down, and lets more of your payment go to price instead of interest.
Not necessarily. These are lender-style ceilings, not recommendations. Many households prefer to stay well below them to keep savings and flexibility.
Both use 31% and 43%. The FHA-style row differs in mortgage insurance, which is charged at any down payment, so its price is usually a bit lower.
Estimates for education and planning only. This is not tax, legal or investment advice; check IRS.gov or a tax professional for your situation. Sources: widely used 28/36 and 31/43 debt-to-income guidelines; HUD FHA ratio guidance.
Last updated: November 2, 2026
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