Try the affordability calculator
Home Affordability Calculator
Solves for the max home price and loan that keeps the borrower under the target DTI.
Auto loans, student loans, min. credit-card payments, alimony, etc.
Typical conventional: 43–50%. FHA flex up to 56.99% with comp factors.
Estimates only. Not a commitment to lend. Actual rates and fees depend on credit, property, lender pricing, and underwriting. Consult a licensed loan officer.
The single most important calculator on your site
Borrowers searching “how much house can I afford” outnumber borrowers searching “current mortgage rates” by a wide margin. The affordability calculator is the top-of-funnel lead magnet for first-time buyers, move-up buyers, and refi-curious borrowers wondering if they should upgrade.
- Income + debts input — gross monthly income, current monthly debts.
- DTI cap — adjustable (default 43%). FHA flex up to 56.99% with compensating factors.
- Cash for down payment — what they have saved.
- Rate, term, taxes, insurance, HOA — all configurable.
- Outputs:
- Max home price (bisection-solved to honor full DTI)
- Max loan amount
- Max housing payment (PITI cap after other debts)
- Estimated P&I, taxes, insurance, HOA at max
How borrowers actually use this
Most affordability calculators are abandoned mid-input because they ask for too much. The snapshot’s calculator front-loads the high-impact inputs (income, debts, down payment) and pre-fills the rest from your local defaults (state property tax %, average homeowners insurance for your market).
In practice borrowers:
- Land on the calculator from a “how much house can I afford” Google search.
- Enter their income + debts + down payment savings.
- See a max home price within 10 seconds.
- Either tap “Find homes in my price range” (which we route to your realtor partners) or “Start my pre-approval” (which we route to your pre-qual flow).
Where it lives in the snapshot
- Homepage hero — the highest-converting placement.
- Standalone calculator page (this page, white-labeled).
- First-time-homebuyer funnel as the lead magnet entry point.
- Realtor partner landing pages so their buyers come to you.
- Embedded in your AI receptionist’s conversation flow (“Want me to estimate your max budget?”).
The realtor-partner play
Your realtor partners want a budget number before they show homes. The affordability calculator gives it to them — branded with both your logo and theirs, configured to push the lead to you for pre-approval and to them for property search. This is the foundation of the snapshot’s realtor partner program.
Why 43% DTI as the default?
43% is the threshold for a 'qualified mortgage' under CFPB guidelines, beyond which the lender loses certain safe-harbor protections. Most conventional loans run 36-50%. FHA can go to 56.99% with comp factors.
Does this calculator factor in PMI/MIP?
The default calculator focuses on the price-to-DTI relationship and rolls PMI into a single 'estimated other costs' line. For program-specific MIP/PMI math, switch to the FHA, Conventional, or USDA calculator.
Can a borrower share the result with their spouse?
Yes — every calculator has a 'share scenario' button that generates a unique URL of the exact inputs and outputs. We capture both shares into the contact record so you know when a couple is collaborating.