ETFs:
ARSENAL.FINANCE v1.0 // TACTICAL FINANCE PLATFORM
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ARSENAL > Dashboard

House Affordability Calculator

How much house can you actually afford? Lenders cap your housing payment at ~28% of gross income (front-end) and your total debt at ~36% (back-end). Enter your income and debts and we'll solve for the max home price - the inverse of a mortgage calculator.

Max home price
$0
Loan amount
$0
Monthly payment
$0
Down payment
0%
Lending standard
$
$
$
%
yrs
%
%
$/mo
Monthly payment breakdown
Affordable price vs mortgage rate
How your max home price shrinks as rates rise - the dot marks your current rate.
Front-end ratio caps housing cost (principal, interest, tax, insurance, HOA, PMI) at a share of gross income; back-end ratio caps housing plus all other debt. The binding constraint sets your price. PMI of 0.5%/yr is added automatically when the down payment is under 20%. This estimates borrowing capacity, not a recommendation - many buyers choose to spend well below the max. Excludes maintenance, utilities and closing costs.