Debt-to-income ratios are only one part of underwriting.
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Estimate a home price that may fit your budget.
Estimate a potential home-price range using income, recurring debt, down payment, interest rate and a target debt-to-income ratio.
Market contextNational 30-year average6.66%As of Jul 30, 2026
This Freddie Mac survey average is used only as a starting assumption where shown. It is not an HMCO offered rate.
View official source ↗Read the result carefully
What this estimate leaves open.
A calculator is best used to test assumptions—not predict an approval or final closing disclosure. Review these considerations before relying on the result.
Income type, credit, assets, reserves and property details also affect eligibility.
A comfortable personal budget may be lower than an underwriting maximum.