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Calculator · 28 / 36 rule
How much house can you afford?
Standard front-end (28%) and back-end (36%) debt ratios. Income, debts, down payment in — max home price out.
01 · Your finances
Income & expenses
Monthly: $8,333
Car loans, credit cards, student loans, etc.
02 · Maximum home price
$0
Illustrative only — not a loan estimate, pre-qualification, or commitment to lend.
- Loan amount
- $0
- Down payment
- $80,000
- Down payment %
- 0%
03 · Estimated monthly payment
$0
- Principal & interest
- -$150
- Insurance
- $150
04 · Debt ratios
How you stack up.
Housing ratio (front-end)0.0%
Target: 28% or less
Total debt ratio (back-end)6.0%
Target: 36% or less
Notes
Understanding the ratios.
- · Front-end: housing costs / monthly income (target ≤28%).
- · Back-end: all debts / monthly income (target ≤36%).
- · These are guidelines — some lenders allow higher ratios.
- · For a tailored read, talk to a local LO.