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Home Affordability Calculator

What price you can carry — not what a bank will approve.

Banks approve you for the maximum DTI allowed; that's not what you can carry. This calculator runs lender front-end (28%) and back-end (36%) ratios, layers in property taxes, insurance, HOA, and PMI, and gives you a price range that fits your real life.

$
$
$
%
%
$/mo
$/mo
Max monthly housing payment$3,267
Principal & interest$2,376
Property tax$426
Insurance$220
HOA$0
PMI$244
Total monthly (PITI + HOA + PMI)$3,267
Max home price
$426,343
Using 28% / 36% DTI ratios. A True Payment from your agent should match within $50/mo.

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ADK turns this estimate into a shareable, branded PDF — with your logo, contact info, and every line item itemized.

Frequently asked questions

What DTI should I target?

Conservative: 28% housing / 36% total debts. Aggressive: 36% / 43%. Federal limits go higher (43–50% back-end on conventional). Choose conservative if rates or income are uncertain.

Should I include HOA dues in affordability?

Always. HOA dues are non-negotiable monthly payments that affect both your DTI and your real budget. Skipping them is the most common affordability mistake.

Why does my lender approve me for more than this calculator suggests?

Lenders underwrite to the maximum allowed DTI — they don't model your lifestyle, savings goals, or unexpected expenses. The mortgage you qualify for and the mortgage you should carry are different numbers.

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