Real Estate
How Much Home Can I Afford?
Lenders use the 28/36 rule: housing under 28% of gross income, total debt under 36%. Run yours through real DTI math.
Max purchase price
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- Max monthly payment
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- Conservative (28% rule)
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- Stretch (36% backend)
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FAQ
28/36 too strict? +
It is the safe number. Lenders may approve you up to 43-50% DTI but that leaves no room for surprises.
Should I max out? +
No. Buying at 36% back-end means every car repair and dental bill becomes an emergency. Stick to 25-28% front-end for peace of mind.