Home Affordability Calculator
Start from your income and existing debts to find a home price range that leaves room for the rest of your life.
Your numbers
Lenders commonly cap total debt at 36–43% of gross income.
Everything is calculated in your browser. Nothing you type here is sent to Verdi or stored anywhere.
Estimated home price
$415,974
with $60,000 down
- Maximum loan amount
- $355,974
- Principal & interest budget
- $2,250.00
- Total monthly housing budget
- $2,750.00
- Housing as a share of gross income
- 30.0%
This is a lending ceiling, not a recommendation. Many people are more comfortable buying below it.
How to use this calculator
Debt-to-income, in plain English
Lenders add up your future housing payment plus every other required monthly debt payment, then divide by your gross monthly income. Most conventional loans want that number at or under 36%, with some programs allowing more.
Affordable to a lender is not affordable to you
The ratio ignores childcare, medical costs, saving rate and how variable your income is. Run your own numbers with a budget before treating the maximum as a target.
Common questions
Should I borrow the maximum?
Usually not. The maximum assumes every other part of your budget stays lean. Buying meaningfully below your ceiling is what leaves room for savings, repairs and rate or tax increases.
What counts as other debt payments?
Minimum required payments on car loans, student loans, personal loans and credit cards. Utilities, groceries and subscriptions are not counted by lenders, but they still come out of your paycheck.
This calculator is an educational estimate based only on the figures you enter. Verdi does not provide financial, investment, tax, legal, credit or lending advice. Actual rates, fees, taxes and terms offered to you may differ.