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How Much House Can I Afford?

Mena

Annual Income

Monthly Debt Payments

Záloha

Úroková sadzba

What is Loan Affordability Calculator?

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A loan affordability calculator determines the maximum loan amount you qualify for, given your income, existing debts, and the lender's debt-to-income (DTI) limits. Banks typically require total monthly debt payments to be below 36–43% of gross monthly income.

Calkulon makes complex calculations simple — built for students and everyday problem-solvers.

How to Loan Affordability Calculator

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1Max monthly payment = Gross monthly income × DTI limit − Existing monthly debts
2Maximum loan = Monthly payment × ((1 − (1+r)^(−n)) / r)
3Front-end DTI: housing costs only ≤ 28% of income
4Back-end DTI: all debts ≤ 36–43% of income (lender-dependent)

Worked Examples

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Example 1

Given:$6,000/month income, $400 car payment, 36% DTI, 7%, 30yr

Výsledok:Max loan: ~$250,000

Max payment: $1,760, net of car: $1,360

Maximum Loan by Income and DTI Limit (7%, 30yr, no other debts)

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Annual Income	36% DTI	43% DTI
$50,000	$153,000	$182,000
$75,000	$230,000	$274,000
$100,000	$306,000	$366,000
$150,000	$460,000	$549,000
$200,000	$613,000	$732,000

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Pro Tip

Pay down high-balance revolving debt before applying for a mortgage. Each $1,000 reduction in monthly debt payments adds roughly $10,000–$15,000 to your maximum loan amount.

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Did you know?

FHA loans allow a back-end DTI up to 57% in some cases. Conventional loans capped at 43–45%. VA loans have no strict DTI limit — they focus on residual income (what's left after all bills).

References

›Debt-to-income ratio — Wikipedia

Len na informačné účely. Tento nástroj nepredstavuje finančné poradenstvo. Pred investičnými alebo finančnými rozhodnutiami sa poraďte s kvalifikovaným finančným poradcom.

Deep Dive

Read the full guide on how to use this calculator effectively

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