Get your comfortable, conservative, and maximum home price based on your real numbers.
This calculator uses the 28/36 rule as the foundation. The "comfortable" tier caps your total housing payment at 28% of gross income. The "conservative" tier uses 25%, and the "maximum" tier stretches to the 36% back-end ratio (total debts including housing). It calculates the maximum mortgage you can carry at each tier, then converts that to a home price based on your down payment. PMI is estimated at 0.5% annually if your down payment is under 20%. The monthly payment includes principal, interest, property taxes, insurance, PMI (if applicable), and HOA fees.