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See the home price your income can comfortably support using five underwriting rules (Conservative 28/36, Standard 31/43, Aggressive 36/50, FHA, VA).
Refreshed daily from Freddie Mac PMMS (weekly survey) · data as of October 15, 2026
Updated monthly from Bank of England (IADB) · latest data September 30, 2026
Updated monthly from ECB Data Portal · latest data August 2026
Updated monthly from Reserve Bank of Australia (F5/F1.1) · latest data September 30, 2026
Reference figure (hand-reviewed June 2026) — not auto-fetched
Rates shown are national averages for reference only. Actual rates vary by lender, credit score, and LTV. US 30/15-yr figures come from the Freddie Mac PMMS public dataset. UK (Bank of England), Euro area (ECB) and Australia (RBA) figures come from official statistics that publish monthly, so they lag by several weeks; each card shows its own latest period. If a source can't be reached, the card keeps the last figures it fetched successfully. Canada is a reference figure only. Countries without one credible national benchmark (e.g. India, where lender rates span roughly 7%–12%+) are intentionally not shown.
Qualified Mortgage safe harbor.
| Rule | Max price | Loan | Total payment |
|---|---|---|---|
| Conservative (28/36) | $384,457.75 | $334,457.75 | $2,800.00 |
| Standard (31/43) | $422,620.92 | $372,620.92 | $3,100.00 |
| Aggressive (36/50) | $486,226.20 | $436,226.20 | $3,600.00 |
| FHA (31/43) | $422,620.92 | $372,620.92 | $3,100.00 |
| VA (—/41) | $486,226.20 | $436,226.20 | $3,600.00 |
The calculator applies each rule's front-end (housing) and back-end (all debts) DTI caps to your gross monthly income, subtracts your existing monthly debts, and back-solves the maximum loan amount that fits the remaining budget after property tax, insurance, HOA, and PMI (when LTV > 80%).
Because escrow scales with the home price and PMI scales with the loan balance, the solver iterates until the numbers converge. You get a stable, self-consistent maximum for every underwriting rule.
Conservative (28/36) leaves the most breathing room. Standard (31/43) matches the Qualified Mortgage safe harbor most lenders use. Aggressive (36/50) is only appropriate with very stable income and low other expenses. FHA typically caps at 31/43 with compensating factors. VA uses ~41% back-end plus a residual-income test.
Escrow eats into the same monthly budget as principal and interest. Higher taxes or insurance means less room for a bigger loan, so the max price you can afford drops.
Yes. If your down payment is under 20%, PMI is added to the monthly payment until you reach 80% LTV. The calculator includes it automatically when LTV exceeds 80%.
No. Lenders also look at credit score, employment history, cash reserves, and the specific loan program. Use this as a planning estimate, not a pre-approval.
Only if you have a documented 2-year history. Underwriters average variable income; a one-time bonus doesn't count.
Sometimes — FHA and VA allow higher DTIs with compensating factors like large cash reserves. But borrowing to your absolute maximum leaves no cushion for repairs, job changes, or rate resets.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026