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Affordability Calculator

Not sure what you can afford? Plug in your numbers and we'll show you the maximum home price your budget supports — using the same debt-to-income (DTI) guidelines lenders use.

Maximum purchase price
$0
Based on your inputs below
Max monthly payment
$0
Including taxes & insurance
Your finances
Annual gross income
Monthly debt payments
Down payment available
Interest rate %
Loan term (years)
Property tax rate %
Insurance /month
Breakdown at max price
Principal & interest$0
Property tax$0
Home insurance$0
Total monthly (PITI)$0
Loan amount$0
Debt-to-income (DTI)
Front-end (housing only)0%
Back-end (housing + debts)0%
Conservative limits: 28% front-end and 36% back-end. Most lenders will go to 43–50% back-end, but this gives you breathing room. Learn how lenders qualify buyers →
Estimate only. This tool is not a loan pre-approval, financial advice, or a guarantee of any borrowing capacity. Abode is not a lender, mortgage broker, or financial advisor and makes no representation or warranty as to the accuracy of these figures. Your actual qualifying amount depends on your full credit profile, the loan program you select, your lender's underwriting standards, and the specific property. Talk to a licensed mortgage lender for a real pre-approval before making any offer on a property — they will run the precise math for your circumstances and produce the pre-approval letter sellers expect.