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🏢 Real Estate

Mortgage Affordability Calculator

Calculate your maximum affordable home price based on the 36% DTI rule.

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The 36% Affordability Rule Explained

When lending institutions calculate how much house you can afford, they strictly evaluate your active risk profile. The golden rule of traditional mortgage lending revolves around the 36% Debt-to-Income (DTI) Limit.

How The Mathematics Work

  • Banks calculate a maximum of 36% of your Gross Monthly Income to be safely allocated toward debts.
  • Any existing monthly obligations (auto loans, student loans, minimum credit card payments) are strictly subtracted from that 36% pool.
  • The remainder dictates your absolute maximum allowable monthly housing payment (including projected taxes, insurance, and principal).