// multi-utility computation suite · offline · instant · precise
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fin.house-affordability-dti Calculator
Calculates maximum home price, mortgage amount, and monthly PITI from gross income, DTI limits, down payment, and current rates. The 28/36 DTI rule caps housing at 28% and total debt at 36% of gross income — current rates translate this to a concrete home price ceiling.
Inputs
Gross Monthly Income
Reference formula or conversion factor shown for context.
Monthly Debts
Reference formula or conversion factor shown for context.
Down Payment Pct
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Property Tax Rate Pct
Percentage paid as tax. After-tax return = pre-tax return × (1 − tax rate). Enter as a percentage (e.g. 25 for 25%).
Interest Rate Pct
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Results
max home price
The computed or recommended price.
max mortgage loan
Sample size or count used in the calculation.
max PITI payment
Sample size or count used in the calculation.
28% rule: housing ≤ income
Sample size or count used in the calculation.
36% rule: total debts ≤ income
The combined total across all inputs and components.