Hometrino calculators

Affordability calculator

Ballpark the home price that fits your income, debts, and typical taxes, insurance, and HOA.

Income & debts

Before taxes
$
Car, cards, student loans, etc.
$
Max total monthly debt as % of income
%

Loan assumptions

Cash toward purchase
$
%

Housing cost inputs

% of home value per year
%
Fixed $ estimate
$
$
Used when LTV > 80%; 0 if none
%

Estimated max home price

$339,192

Profile: Moderate · Monthly housing budget $2,400 after other debts

Payment at max price

Illustrative breakdown included in the DTI budget.

  • Principal & interest$1,811
  • Property tax$311
  • Insurance$150
  • HOA$0
  • PMI$128
  • Total housing$2,400

Monthly income

$7,917

Other monthly debts

$450

Housing budget (after debts)

$2,400

Monthly income allocation

Debts + estimated housing vs. what is left of gross monthly income in this model.

How this estimate works

We take your gross monthly income, apply your DTI limit to get maximum total monthly debt capacity, subtract non-housing debts, and treat the remainder as your housing budget. Then we search for the highest home price where estimated mortgage, taxes (as a % of value), insurance, HOA, and PMI still fit that budget.

Labels like conservative / moderate / stretched reflect how tight housing is relative to income in this simplified model—they are not lending decisions. Lenders use their own rules, credit, and reserves.