Mortgage Calculators

Maximum Mortgage Calculator

Find the largest mortgage and home price you can qualify for based on your income, debts and a lender’s debt-to-income limit.

Inputs

Gross monthly income

Other monthly debt payments

Max debt-to-income ratio

Interest rate

Loan term (years)

Down payment available

Est. taxes + insurance / month

Estimates only. Change any value to recalculate instantly.

Maximum home price $360,093 $310,093 loan + $50,000 down

Affordable payment (P&I) $1,960.00

Maximum loan $310,093

Maximum home price $360,093

DTI used 43%

Monthly income allocation

Mortgage P&I $2.0k
Other debts $600
Taxes & insurance $450
Remaining income $4.0k

Maximum loan Max loan

Lenders cap your total monthly debt at 43% of gross income. After existing debts and estimated taxes & insurance, $1,960.00 is left for principal and interest — supporting up to a $310,093 loan.

Maximum loan across interest ratesView table

Interest rate	Affordable payment	Maximum loan	Maximum price
4.50%	$1,960.00	$386,828	$436,828
5.00%	$1,960.00	$365,112	$415,112
5.50%	$1,960.00	$345,199	$395,199
6.00%	$1,960.00	$326,912	$376,912
6.50%	$1,960.00	$310,093	$360,093
7.00%	$1,960.00	$294,603	$344,603
7.50%	$1,960.00	$280,315	$330,315
8.00%	$1,960.00	$267,116	$317,116
8.50%	$1,960.00	$254,905	$304,905

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

30-year fixed mortgage rate, 2019–2026

Source: Freddie Mac PMMS via FRED. Annual averages; latest weekly reading shown.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.