YOUR ESTIMATED PRICE RANGE
$0
Enter your income and numbers below.
CONSERVATIVE · 28/36 RULE
$0
FHA GUIDELINE · 31/43
$0
AGGRESSIVE · UP TO 50% DTI
$0
Your numbers
Use gross (pre-tax) income and your real monthly debt payments.
$
$
$
%
yrs
%
Estimated monthly payment
At the conservative 28/36 price, with your rate, term, and tax + insurance estimate.
$0
$0
$0
$0
What these rules are, honestly: The conservative number is the classic 28/36 screen: housing capped at 28% of gross monthly income, housing plus all other debts capped at 36%. That is the standard banks have historically used. The FHA guideline stretches those caps to 31% and 43%. The aggressive number reflects the roughly 50% debt-to-income ceiling some lenders will approve with strong credit, and it is how families end up house-poor. Getting approved for the high number does not make it wise. Treat the conservative number as your ceiling, not your starting point. Taxes and insurance here scale with the home price at the rate you set, but this still leaves out PMI, HOA dues, maintenance, and closing costs, which are real money.
Buy the house without losing the household.
Get the free Build to Last Blueprint. A short framework PDF for households doing the patient work of building margin before they build equity.
A payment you can afford starts with a budget that tells the truth.
Before you take on the biggest payment of your life, know exactly where your money already goes. The Budget App is $24 one-time access, no bank link, family 50/30/20.
See The Budget App