Turn income, debts, cash available, rates, and ownership costs into a clear purchase range and comfort score.
Affordability planner
Work through income, cash, and ownership costs
Step 1
Income & debts
Step 2
Cash & loan
Step 3
Ownership costs
Estimated affordable price
$458,790
Based on a 36.0% target debt-to-income ratio.
Comfort score
68/100
Est. DTI
36.0%
Balanced: Reasonable with cash reserves
Leave insurance estimate blank to exclude it from the calculation. Compare this planning estimate with lender quotes, local taxes, and cash reserves.
Optional next steps
Create Free Dashboard
Save mortgage, affordability, and equity results in one place.
Check Affordability
Compare this result against an income and debt-based price range.
Estimate Equity
Use your value and mortgage balance to understand ownership equity.
Contact Us
Send a question about calculations, partnerships, or account access.
Powered by YourHomeCosts.com. Results are educational estimates only.
The comfort score is a planning signal, not lender approval. Keep room for repairs, utilities, insurance changes, and savings.