Affordability
Bank-grade underwriting math — full PITI, PMI/MIP, and real front/back-end DTI ratios. Rate prefilled from FRED (6.43%).
Your numbers
Prefilled with average US values — edit to match your situation.
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$
Down payment
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CFPB ATR/QM rule, 12 CFR 1026.43
You can likely afford a home up to
$391,702
Down payment: $78,340Loan: $313,362LTV: 80.0%
Monthly payment (PITI)
Principal & interest$1,966
Property tax$359
Homeowners insurance$163
Total / month$2,489
Qualification
Front-end DTIn/a
Back-end DTI (max 43%)43.0%
The max price is the point where your binding ratio hits its limit. Lower your debts or raise your down payment to push it higher.
Rate sensitivity
What a rate change does to your buying power — the buyer's edge when timing a purchase.
| Rate | Max price | Monthly PITI |
|---|---|---|
| 5.430% | $426,075 | $2,489 |
| 5.930% | $408,370 | $2,489 |
| 6.430% | $391,702 | $2,489 |
| 6.930% | $376,012 | $2,489 |
| 7.430% | $361,244 | $2,489 |