How much house can you actually afford?
Enter a few numbers and see your realistic price range and monthly payment — principal, taxes, insurance and all. No sign-up, no email; the math runs in your browser.
Based on a 43% debt-to-income ceiling — the common conventional limit. Your lender's approval depends on credit, reserves, and program.
Within a $3,800/mo housing budget from your income and debts.
Estimate for illustration only, not a loan offer or pre-approval. Runs entirely in your browser — nothing you type is uploaded or stored.
Budget first, price second
Set the housing budget
43% of gross monthly income, minus your existing debt payments, is what's left for housing under a common lending rule.
Account for the real payment
A payment isn't just principal and interest — property tax, insurance, and HOA all count against the budget too.
Solve for the price
We back out the highest home price whose full monthly payment fits your budget at your rate, term, and down payment.
▸How is the max price calculated?
We take 43% of your gross monthly income (a common conventional debt-to-income ceiling), subtract your existing monthly debts, and solve for the home price whose full monthly payment — principal, interest, property tax, insurance, and HOA — fits inside that budget at your rate and term.
▸Is 43% the right DTI for me?
It's a widely used conventional limit, but programs vary — FHA and some lenders go higher, others lower. Credit, cash reserves, and the loan program all matter. Treat this as a starting estimate and confirm with a lender.
▸Is my data sent anywhere?
No. The math runs entirely in your browser. Nothing you type is uploaded, stored, or shared.
Ready to see homes in your range?
Emberline agents turn your budget into a shortlist, saved searches, and instant alerts the moment a match hits the market.