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Home Affordability Quick Check
EstimatorEstimate how much home you can afford based on income, debt, and down payment.
About This Tool
Lenders use two key ratios: the 28% rule (housing costs ≤28% of gross income) and the 36% DTI rule (all debt ≤36% of gross income). FHA loans allow up to 43% DTI; VA and USDA loans are more flexible. These are estimates — actual approval depends on credit score and reserves.