How Much House Can I Afford?
Calculate your home buying budget using the 28/36 rule
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The 28/36 Rule Explained
Front-End Ratio
Your total housing costs should not exceed 28% of your gross monthly income.
Back-End Ratio
Your total debt (including housing) should not exceed 36% of your gross monthly income.
💡 Pro Tip
Just because you qualify for a certain amount doesn't mean you should borrow it all. Consider your lifestyle, savings goals, and emergency fund when deciding how much to spend.
Disclaimer: This calculator is for educational and illustrative purposes only. Our Loan Pro is not a mortgage lender, broker, or loan originator. Results are estimates only and do not constitute a loan offer, rate quote, or pre-approval. Consult a licensed mortgage professional for accurate quotes and personalized advice.