The output is a planning estimate, not an approval.
Finance calculator
Home Affordability Calculator
Explore a planning range before speaking with a lender, using a debt-to-income limit you can adjust.
Calculated privately on your device
No account. Formula and assumptions are shown below.
Calculator inputs
Home affordability details
Formula & disclaimer
Housing Payment Limit = Income Γ DTI Limit β Other Debt; Loan = Present Value of Monthly Payments
View assumptionsFormula reviewCalcs at Hand Editorial TeamVerified 26 August 2026 Β· automated checks included
Saved on this device
Resultβ
Projection
Move across the chart, drag the slider, or use the arrow keys.
Formula & details
Calculation
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How to read this result
Three useful checks, kept deliberately short.
Use monthly income, existing debts and a chosen DTI limit: Find the available housing payment Β· Convert it to a loan present value Β· Add the down payment.
The calculator uses a standard fixed-rate present-value formula. Lenders can use different income, DSR or eligibility rules.
Formula and assumptions
Housing Payment Limit = Income Γ DTI Limit β Other Debt; Loan = Present Value of Monthly PaymentsThe calculator uses a standard fixed-rate present-value formula. Lenders can use different income, DSR or eligibility rules.
Keep in mind: This general planning estimate is not lending advice, eligibility confirmation or an offer.
Produced byCalcs at Hand Editorial Team
Last formula check26 August 2026
Review methodKnown examples + boundary cases
Editorial and correction policy β