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Home Affordability

What you can genuinely afford, by lender math.

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You could afford up to

$394,224

Limited by your front-end ratio — lenders cap housing at 28% of gross income, and total debt at 36%.

Maximum monthly housing: $2,917
Estimated payment: $2,917
Loan amount: $344,224
Down payment: $50,000 (12.7%)

What this doesn't include

Being approved for a number isn't the same as it being wise

· Maintenance runs roughly 1% of the home's value each year.
· Closing costs are typically 2–5% of the price, due in cash.
· A payment at the very top of your limit leaves nothing for investing.

Educational estimate only. Not financial, tax or investment advice. Lender limits vary by program and credit profile; this uses the common 28/36 guideline.

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