Mortgage Affordability Calculator

Estimate how much house you can afford

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$
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Advanced — DTI & estimated taxes/insurance
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Home price you can afford
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$0/mo

Mortgage Affordability Calculator — guide & how to use

What it does

This calculator estimates the home price and loan you can afford based on your income, existing debts, down payment, and a target debt-to-income ratio. It works backward from the monthly payment lenders will allow — calculated privately in your browser, free and with no signup.

How to use it

  1. Enter your annual income and total monthly debt payments.
  2. Enter your down payment, the interest rate, and the term.
  3. Open Advanced to adjust your max DTI and estimated monthly taxes/insurance.
  4. Read the home price you can afford and the budget breakdown.

How to embed this tool on your website

No account, no coding. Copy the embed code and paste it where you want it to appear:

<iframe src="https://snaptoolsuite.com/mortgage-affordability-calculator/?embed=1"
  style="width:100%;max-width:560px;height:900px;border:0;"
  title="Mortgage Affordability Calculator" loading="lazy"></iframe>
<p>Free <a href="https://snaptoolsuite.com/mortgage-affordability-calculator/">Mortgage Affordability Calculator</a> by Snap Tool Suite</p>
2 Paste it on your page
3 It just works

See it live: view a real embed example →

Frequently asked questions

How much house can I afford?

Income × your DTI %, minus existing debts and a taxes/insurance estimate, gives your mortgage budget; this tool converts that into a loan and home price.

What is debt-to-income ratio?

Total monthly debt ÷ gross monthly income. Many lenders prefer 36% or less.

Is it really free?

Yes. 100% free, everything runs in your browser.

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🔒 Everything is calculated in your browser. We don't store or sell your data. Estimate only.