Tool

OOB Affordability Calculator

How much OOB home can you afford. Income, debts, down payment, target DTI.

Updated May 2026

Annual gross incomeMonthly recurring debts (car, student, cards)Down payment availableTarget DTI (43%)Interest rate (%)Loan termProperty tax % (effective)Insurance (annual)

What you can afford

Max monthly payment$4,417

Max home price$630,072

Recommended (80% cushion)$504,058

Pre-approval tierConventional

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