// multi-utility computation suite · offline · instant · precise
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real.affordability Calculator
Calculates the maximum home purchase price based on gross income, debt payments, and the 28/36 DTI rule, plus monthly payment at different rates. Lenders use the 28% front-end ratio (housing costs to income) as the primary affordability screen.
Inputs
Income
Reference formula or conversion factor shown for context.
Debts
Reference formula or conversion factor shown for context.
Rate
Amount per unit of time or per unit quantity. Check the denominator before interpreting.
Down
Cash paid upfront, reducing the amount you borrow. Putting down 20%+ typically eliminates private mortgage insurance (PMI).
Results
max home price
The computed or recommended price.
max mortgage
Reference formula or conversion factor shown for context.
max monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
GDS limit (32%)
Reference formula or conversion factor shown for context.
TDS limit (44%)
Reference formula or conversion factor shown for context.