Find out how much house you can afford based on your income, monthly debts, and down payment using lender DTI guidelines.
Lenders use two key DTI rules: housing costs should not exceed 28% of gross income (front-end), and total debts should stay under 36–45% (back-end). Enter your income, debts, and rate to see your maximum home price across three affordability bands: conservative, moderate, and aggressive.