● 28/36 Debt-to-Income (DTI) Standards
How Much House Can I Afford? DTI Calculator
Estimate your realistic home purchasing budget based on your annual pre-tax income, recurring monthly debts, down payment savings, and conforming loan requirements.
Baseline Example ($105,000 Household Income, $500/mo Debts)
Front-End Max (28%)
$2,450/mo
Max allowable housing expense
Back-End Max (36%)
$3,150/mo
Total debts + housing cap
Max Home Purchase Price
$410,000
With 20% down payment
Comfortable Target Price
$355,000
Conservative 25% front-end buffer