4 pre-calculated scenarios to help you understand common use cases. Try the calculator yourself below.
28% DTI rule, 20% down, 6.5% rate
Max home price: ~$220,000
Find out how much home you can afford on an $80,000 annual salary.
You can afford approximately $310,000 - $340,000
On $80K/year ($6,667/month), lenders typically allow 28% toward housing ($1,867/mo). With $400 in existing debts, your max DTI payment is ~$1,933. Subtracting taxes and insurance leaves ~$1,500 for P&I, supporting a ~$235K loan + your $40K down payment.
Calculate home buying power with a six-figure income.
You can afford approximately $390,000 - $430,000
With $100K income ($8,333/month), lenders allow up to $2,333 for housing (28% rule). After deducting estimated taxes and insurance, you can support roughly $340-380K in loans plus your $50K down payment.
28% DTI rule, 20% down, 6.5% rate
Max home price: ~$660,000
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Compare all plans and annual billing| Down % | Down Payment | Max Home | Monthly | PMI |
|---|---|---|---|---|
| 5% | $12,387 | $247,730 | $1,983.32 | $98.06 |
| 10% | $25,954 | $259,545 | $1,983.32 | $97.33 |
| 15% | $40,881 | $272,542 | $1,983.32 | $96.53 |
| 20% | $60,541 | $302,703 | $1,983.33 | None |
| Annual Income | Max Home (20% down) | Max Housing / Mo |
|---|---|---|
| $50,000 | $156,855 | $1,100.00 |
| $75,000 | $264,177 | $1,750.00 |
| $100,000 | $360,492 | $2,333.33 |
| $125,000 | $456,806 | $2,916.67 |
| $150,000 | $553,121 | $3,500.00 |
| $200,000 | $745,750 | $4,666.67 |