What DTI do lenders allow?

Conventional loans typically cap back-end DTI (housing + other debts) at 43-45%. Conservative budgeting uses 36%. FHA can go to 50% in some cases. The calculator lets you choose; 36% is the financially safer default.

Front-end vs back-end DTI?

Front-end = housing costs (PITI + HOA) as a % of gross income. Back-end = housing + ALL other monthly debt obligations (car, student loans, credit-card minimums) as a % of gross income. Lenders care more about back-end.

Why is my 'affordable' number lower than my pre-approval?

Lenders approve at the maximum DTI they're allowed to. That's often higher than what leaves you with comfortable financial breathing room. A common rule: the home you can afford is ~80% of the home you can qualify for.

Home Affordability Calculator

Reverse-solve from income, debts, down payment, and the lender's DTI cap to find your maximum home price. Includes PITI breakdown at the affordability ceiling.

All calculators
Savings vs Investing
Debt Payoff
Investment Projection
Emergency Fund
Inflation Power