Home Affordability Calculator
Determine how much house you can afford based on your income, debts, and down payment
Equal Housing Lender • Loans originated by Nick Petrosov (NMLS #2015537) through Guild Mortgage Company (NMLS #3274)
Licensed in California. This is not a commitment to lend. All loans subject to underwriting and credit approval.
Affordability Calculator
Loan Details
20.00% → ≈ $84,000
Your Results
Understanding Debt-to-Income Ratios
Lenders use DTI ratios to determine your ability to manage monthly payments and repay debts.
Back-end DTI (total debt payments)
Back-end DTI (total debt payments)
Maximum for most loan programs
Pro Tip: Improve Your Affordability
• Pay down existing debts to lower your DTI ratio
• Increase your down payment to reduce loan amount
• Consider a longer loan term for lower monthly payments
• Look for properties with lower HOA fees or property taxes
Let's Get You Home
Ready to start your home buying journey? Get pre-approved today and strengthen your offers.