๐Ÿก the 28/36 rule โ€” no lender's incentive baked in

Home Affordability Calculator

See the maximum home price you can afford using the standard 28/36 debt-to-income guideline lenders actually use - not a bank's own calculator nudging you toward a bigger loan. Nothing leaves your browser.

28/36 rule: housing costs at most 28% of gross monthly income (front-end ratio), and total debts including housing at most 36% (back-end ratio). This is a common lending guideline, not a guarantee of approval - actual limits vary by lender and loan program.

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