Your Financial Situation
$
$
$
Include: car loans, student loans, credit card minimums, personal loans. Do not include current rent.
$
Add taxes, insurance & HOA
▶
$
$
Your Home Budget
You can comfortably afford
$—
28/36 Rule
Conservative
—
28% front-end
Moderate
—
36% back-end
Maximum
—
43% DTI limit
Monthly Housing Budget
$—
28% of gross income
Income Multiplier
—×
home price ÷ income
Required Down Payment
—%
of home price saved
Est. Monthly Payment
$—
PITI on conservative
The 28/36 Rule — Your Numbers
Front-end ratio (housing)
—
Housing payment as % of gross income. Keep under 28%.
Back-end ratio (all debts)
—
All monthly debts as % of gross income. Keep under 36%.
Principal & Interest
$—
Property Tax
$—
Home Insurance
$—
PMI
$—
Total Monthly Payment
$—
Affordability by salary level
Results are based on the 28/36 lending guideline and are estimates only. Actual loan approval depends on credit score, employment history, asset verification, and lender criteria. Speak with a licensed mortgage professional for personalized guidance.
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