PlanetToolbox

Affordability Calculator

Estimate a home purchase budget from income, debts, down payment, mortgage rate, taxes, insurance, HOA, and DTI.

Max home price

$444,720

Monthly housing

$3,000

Loan amount

$364,720

DTI

36%

Affordability inputs

Estimate home affordability

Annual income

Monthly debts

Down payment

Interest rate

Term years

Property tax rate

Annual insurance

Monthly HOA

Max DTI

Closing cost rate

Affordability summary

Max home price: $444,720
Cash needed: $93,342
Loan amount: $364,720
Estimated DTI: 36%

Monthly payment breakdown

Principal and interest$2,305

Property tax$445

Insurance$150

HOA$100

Affordability assumptions

This home affordability estimate uses the debt-to-income limit, mortgage rate, taxes, insurance, HOA, and down payment you enter. It is not a lender approval or underwriting decision.