What is DTI (Debt-to-Income) ratio?

DTI compares your monthly debt payments to your monthly gross income. Lenders use it to measure your ability to manage monthly payments and repay debts.

How much down payment do I need?

While 20% is the traditional standard to avoid Private Mortgage Insurance (PMI), many lenders offer loans with as little as 3-3.5% down (FHA/Conventional).

Does this include property taxes?

Yes, our advanced assumptions section allows you to set an annual property tax rate estimate, which defaults to 1.2%.

Get Started

Real Estate Vision

Estate Navigator

Stop guessing your budget. Map out your home-buying journey with precision using income, debt, and interest metrics tailored to your financial profile.

Financial Details

Enter your income and expenses to estimate affordability.

Annual Gross Income

Monthly Debts (Loans, Cards, Alimony)

Down Payment

Interest Rate (%)

Loan Term (Years)

Advanced Assumptions

Annual Property Tax (%)

Annual Home Insurance

You Can Afford a Home Price of

$0.00

with a monthly payment of approx. $0.00

Affordability Breakdown

Loan Amount

$0.00

Down Payment

$20000.00

This estimate assumes a 28% front-end ratio (housing costs) and a 36% back-end ratio (total debt). Lenders may approve higher amounts depending on your credit score.

Borrowing Power

Buying a home is the largest purchase most people will ever make. Affordability isn't just about the monthly payment—it's about the total cost of ownership including taxes, insurance, and maintenance reserves.

The 28/36 Rule

Lenders typically want your housing costs under 28% of gross income and total debt under 36% to ensure loan stability.

DTI Optimization

Debt-to-Income ratio is the master metric. Reducing credit card balances or car loans can significantly boost your mortgage budget.

Ownership Overhead

Beyond the mortgage, factor in property taxes (1-2% of value), homeowners insurance, and HOA fees. A $2,000 PITI payment might actually be $2,800 in total monthly burn.

The Blueprint

Income − Debt × DTI %

Output

Home Budget

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