Mortgage Calculators

Mortgage Qualifier Calculator

See the home price you can qualify for, based on your income, debts and a lender’s front-end and back-end debt-to-income limits.

Inputs

Gross monthly income

Monthly debt payments

Down payment

Interest rate

Loan term (years)

Taxes + insurance (monthly)

Front-end DTI limit

Back-end DTI limit

Estimates only. Change any value to recalculate instantly.

Home price you qualify for $343,197 $283,197 loan + $60,000 down

Affordable payment (P&I) $1,790.00

Maximum loan $283,197

Limited by Housing ratio

Maximum price $343,197

Monthly income allocation

Mortgage P&I $1.8k
Taxes & insurance $450
Other debts $600
Remaining $5.2k

Loan balance Balance

Lenders apply two limits: housing costs under 28% of income (front-end) and total debt under 43% (back-end). The lower of the two caps your payment — here, $1,790.00.

Amortization of the maximum loanView table

Year	Principal	Interest	Balance
1	$3,165	$18,315	$280,032
2	$3,377	$18,103	$276,655
3	$3,604	$17,876	$273,051
4	$3,845	$17,635	$269,206
5	$4,102	$17,378	$265,104
6	$4,377	$17,103	$260,727
7	$4,670	$16,810	$256,056
8	$4,983	$16,497	$251,073
9	$5,317	$16,163	$245,757
10	$5,673	$15,807	$240,084
11	$6,053	$15,427	$234,031
12	$6,458	$15,022	$227,573
13	$6,891	$14,589	$220,682
14	$7,352	$14,128	$213,330
15	$7,845	$13,635	$205,486
16	$8,370	$13,110	$197,116
17	$8,930	$12,550	$188,185
18	$9,529	$11,951	$178,657
19	$10,167	$11,313	$168,490
20	$10,848	$10,632	$157,643
21	$11,574	$9,906	$146,069
22	$12,349	$9,131	$133,719
23	$13,176	$8,304	$120,543
24	$14,059	$7,421	$106,485
25	$15,000	$6,480	$91,485
26	$16,005	$5,475	$75,480
27	$17,077	$4,403	$58,403
28	$18,220	$3,260	$40,183
29	$19,440	$2,040	$20,742
30	$20,742	$738	$0

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.