Affordability is lender-specific
Property tax, insurance, HOA dues, location, credit profile and lender rules can change affordability. This page is a planning estimate, not a loan approval.
Example
With 90,000 annual income, 500 monthly debt and a 36% DTI target, total allowed debt payments are about 2,700 per month, leaving about 2,200 for housing before taxes and insurance assumptions.
Common mistakes
Do not treat mortgage principal and interest as the whole housing payment. Taxes, insurance, HOA dues, maintenance and utilities can change affordability.
Limitations
This is not mortgage, legal or financial advice. It does not predict approval, credit pricing, local taxes, insurance, loan products or closing costs.
Last reviewed: 2026-05-17