Front-end DTI
The housing ratio compares the complete monthly housing estimate with gross income. It includes principal, interest, taxes, insurance, HOA, maintenance, and modeled PMI.
Income, debt, and cash affordability
Find a home-price range without hiding ownership costs
Compare front-end DTI, back-end DTI, and your own monthly ceiling. The solver includes the mortgage, property tax, insurance, HOA, maintenance, PMI, down payment, and estimated closing cash.
Plan with context
Affordability has a monthly limit and a cash limit.
A lender may focus on debt ratios, while a household must also protect cash reserves and absorb ownership costs that do not reduce the mortgage balance.
Back-end DTI
The total debt ratio adds recurring car, student-loan, credit-card, and other entered debt payments before determining the housing amount available.
Your budget can be stricter
Qualification and comfort are different. The calculator uses your fixed housing ceiling as an additional constraint when it produces a conservative price.
Cash does more than reduce debt
Down payment and closing costs compete with moving costs, repairs, furnishing, and emergency reserves. The cash check shows what remains after estimated closing.
Rates change purchasing power
When the housing budget stays fixed, a higher interest rate directs more money to interest and supports a smaller loan and purchase price.
Ownership costs keep changing
Property tax, insurance, association dues, and maintenance are modeled from today’s estimates. They can rise after purchase even when the mortgage payment is fixed.
Included
Front- and back-end DTI, personal budget, cash, down payment, mortgage rate and term, tax, insurance, HOA, maintenance, PMI, closing costs, and stress tests.
Not included
Credit underwriting, income documentation, loan-level pricing, program limits, utilities, renovations, tax benefits, future cost changes, or a lender preapproval.
Use it well
Use recent local tax and insurance estimates, preserve emergency savings, and compare the result with a formal preapproval and your own post-closing monthly budget.