How Much Home Can I Afford?

Enter a few monthly numbers and see where your budget stands.

StartIncomeDebtsYou

Before we start

This takes about 2 minutes. Here's what we'll cover:

  • Your household's monthly income
  • Your current monthly debts & housing costs

Monthly income

Gross income, before taxes. Include any alimony, child support, or disability income paid to you.

Borrower 1
Applying with a co-borrower?

Monthly debts

Enter what you pay each month, not the total balance owed.

All Current Mortgage Payments
Auto loans
Credit cards & other debts
Student loans

This is for your own context — it isn't a monthly payment, so it doesn't factor into the number below.

Almost there

Enter your details to see your full breakdown.

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Your back-end debt-to-income ratio
Total monthly income$0
Total monthly debt payments$0

Monthly room for a new house payment, at 31%, 41%, and 45% of your income:

31% of income
$0
41% of income
$0
45% of income
$0
Employment history
Borrower 1 — 2+ years at current job—

Ready to talk through what this means?

Book a free 15-minute homebuyer consultation and we'll walk through your numbers together.

Schedule my free consultation
Jami Amidon is not a mortgage lender. This calculator is intended as a topic of conversation regarding the potential purchase of a home prior to working with a lender, and is not a loan pre-qualification, pre-approval, or guarantee of financing. Please schedule your free 15-minute homebuyer consultation to see how your DTI% affects the purchase of your new home. Our goal is to help you prepare for the next step in connecting with the right lender. No commissions or fees are received between agent and lenders. Jami Amidon Real Estate is brokered by Keller Williams Realty; each office is independently owned and operated. Equal Housing Opportunity. Information you provide here is used only to follow up about your home search.