Home Affordability Calculator
Enter your income, debts, and down payment to estimate the maximum home price that fits your budget. Based on VA's 41% back-end DTI guideline. Actual qualification depends on credit, residual income, and lender requirements.
Combined gross income before taxes.
Car payments, credit cards (minimum payment), student loans, etc. Do not include rent or current mortgage.
VA loans allow 0% down. Enter 0 for no down payment.
Enter an assumed rate for illustration. Actual rates vary by lender and are not quoted here.
Estimated Affordability
Maximum Recommended Home Price
$373,337
Est. Monthly Payment
$2,233.33
Principal & Interest
Debt-to-Income Ratio
41.0%
VA guideline: ≤ 41%
Know the home price? Enter it below to estimate your monthly principal and interest payment and see the total interest paid over the life of the loan.
Enter 0 for a VA loan with no down payment.
Enter an assumed rate for illustration. Actual rates vary by lender and are not quoted here.
Estimated Monthly Payment
$2,212.24
Principal & Interest only · Loan amount $350,000
Total of Payments
$796,406
Total Interest Paid
$446,406
Ready to see real numbers?
Gene can shop multiple lenders and walk you through what you actually qualify for — no obligation.
Results are illustrative only and do not constitute a loan offer, approval, or commitment to lend. The 41% DTI figure reflects a common VA guideline; actual qualification depends on credit history, residual income, loan type, and lender overlays. Rates and terms are set by lenders and subject to change. Gene Richter, MLO NMLS #2806488 | PBT Bancorp NMLS #257781. Not a direct lender.