Calculator
Mortgage Affordability Calculator
See how much home you can afford based on your income, debts, and credit score - and how improving your score changes your buying power.
Income & Debts
$80,000
$30K$500K
$400/mo
$0$5,000
Car payments, student loans, credit cards, etc.
$40,000
$5K$300K
Credit Profile
720 - Very Good
580850
Estimated Rate: 6.75% - Drag slider to see how score improvements reduce your rate
30 years
Score Impact on Buying Power
| Score | Est. Rate | Monthly Pmt | Buying Power Δ |
|---|---|---|---|
| 760+ | 6.50% | $1,867 | +$7,527 |
| 720+ | 6.75% | $1,867 | $0 |
| 700+ | 7.00% | $1,867 | -$7,226 |
| 680+ | 7.25% | $1,867 | -$14,166 |
| 660+ | 7.60% | $1,867 | -$23,428 |
| 620+ | 8.10% | $1,867 | -$35,803 |
Maximum Home Price
$327,800
Based on 6.75% rate, 30-yr term
Monthly Payment
$1,867
Max Loan Amount
$287,800
Total Interest
$384,200
Debt-to-Income
34.0%
Affordability Ranges
Conservative (25% DTI)$296,964
Moderate (36% DTI)$348,357
Stretch (43% DTI)$420,307
DTI Guidelines
Front-end (housing only) (≤ 28%)✓ Within range
Back-end (housing + debts) (≤ 43%)✓ Within range
Preferred back-end (≤ 36%)✓ Within range
Estimates based on conventional loan guidelines. Actual approval depends on lender, employment history, assets, and other factors. Consult a licensed mortgage professional.