Home Affordability Calculator
Estimate a realistic home price, monthly payment and debt-to-income range before you shop.
Hit Calculate to see your result
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Real approvals also depend on credit, lender rules, reserves, property type and local taxes or insurance quotes.
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Test rate, income or down payment changes without editing the main inputs.
Calculate your baseline first
It uses your gross monthly income, existing debts and target back-end debt-to-income ratio to estimate the maximum housing payment, then solves for a home price after mortgage, taxes, insurance, HOA, PMI and closing assumptions.
A lower DTI gives more breathing room. Many buyers use around 28% housing-only and 36% total debt as a conservative screen, while higher ratios can feel stretched depending on income stability and savings.
No. Lenders may evaluate credit score, verified income, reserves, loan program limits, property details and local insurance or tax figures. Use this as a planning estimate before getting lender quotes.
Results are estimates generated locally in your browser from the inputs provided. They are for informational planning only and are not mortgage, legal, tax or financial advice. Actual affordability, loan approval, taxes, insurance, PMI and closing costs vary by lender, location and borrower profile. VisionVix accepts no liability for decisions based on this output.
