How Much House Can I Afford?
Built for Tampa Bay — where insurance and flood coverage decide affordability as much as the rate does. Every number is editable.
Your Finances
$/yr
$/mo
%
%
Car loans, student loans, credit-card minimums — not utilities or groceries. Lenders commonly allow a 43% back-end DTI (sometimes up to 50%). The "comfortable" number uses the classic 28% rule: housing ≤ 28% of gross income.
The Loan & Tampa Costs
%
yrs
%/yr
$/yr
$/yr
$/mo
%/yr
%
Comfortable — the 28% rule
home price
Monthly payment
Down payment
Cash to close
Lender maximum — your DTI
home price
Monthly payment
Down payment
Cash to close