// multi-utility computation suite · offline · instant · precise
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pfin.house-affordability-rule Calculator
Calculates the maximum affordable home price using the 28% front-end ratio rule and 36% total debt-to-income rule, from gross monthly income and existing debts. Lenders enforce both ratios simultaneously — the binding constraint determines maximum borrowing capacity.
Inputs
Gross Annual Income
Reference formula or conversion factor shown for context.
Monthly Debts
Reference formula or conversion factor shown for context.
Down Payment
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Rate Pct
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Results
max home price (28% rule)
The computed or recommended price.
max mortgage payment
Sample size or count used in the calculation.
max total debt (36% rule)
The combined total across all inputs and components.