How Much House Can I Afford? House Affordability Calculator. There are two House Affordability Calculators that can be used to estimate an affordable purchase amount for a house based on either household income-to-debt estimates or fixed monthly budgets. They are mainly intended for use by the U.S. residents.

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To determine ‘how much house can I afford,’ use the 36% rule, which states your monthly mortgage expenses and other debt payments shouldn’t exceed 36% of your gross monthly income. If you earn.

What percentage of your income can you afford for mortgage payments? Do you use gross monthly income or take-home pay? Learn how much house you can afford with simple rules based on your monthly income.

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Bankrate.com provides a FREE mortgage qualifier calculator and other mortgage qualifier calculators to help consumers figure out how much money they can borrow.

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Zillow’s Debt-to-Income calculator will help you decide your eligibility to buy a house.

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Most lenders do not want your total debts, including your mortgage, to be more than 36 percent of your gross monthly income. Determining your monthly mortgage payment based on your other debts is a bit more complicated. Multiply your annual salary by 0.36 percent, then divide the total by 12.

The Mortgage Affordability Calculator will help you estimate a home loan amount that you can afford based on the amounts entered in the fields below: income, debt, down payment, etc. After you have established a dollar range that you can afford, find out which loan is right for you.

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Our home affordability tool calculates how much house you can afford based on several key inputs: your income, savings and monthly debt obligations, as well as the mortgages available in your area. How We Calculate Your Home Value. First, we calculate how much money you can borrow based on your income and monthly debt payments