Income · Debts · DTI · Max home price
This calculator finds the maximum home price where your estimated monthly PITI payment (principal, interest, property tax, insurance, and PMI if applicable) fits within your debt-to-income limit. The default 43% DTI is the standard conventional loan threshold. FHA loans may allow up to 57% with compensating factors. Tax and insurance estimates are based on the percentages you enter — actual costs vary by location. PMI is estimated at 0.85% annually when the down payment is less than 20%. This is an estimate only — your actual qualifying amount depends on your credit score, lender, and full financial profile. Find a licensed lender to get a real pre-approval.