How Much House Can I Afford
Invert PMT: maximum loan from a target payment, rate, and term. Ignores taxes, insurance, and lender rules unless you type income and DTI.
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How to use How Much House Can I Afford
- Enter the amounts, rates, and term that match the job.
- Set every option that changes the formula, including compounding, timing, or inclusive tax.
- Read the result rows and any schedule table. Invalid input shows an error in the status line.
- Treat the result as arithmetic on this device, not a quote or filing.
How Much House Can I Afford
Browser calculator
| Where it runs | This browser |
|---|---|
| Upload | None |
| Live rates | None. You type the rate |
| Advice | Informational only |
What How Much House Can I Afford does
Principal = payment * (1 - (1+r)^-n) / r. Optional annual income and DTI cap the monthly payment at (income / 12) * DTI. Optional down percent back-solves a home price. This is not a pre-approval.
Informational, not lending, tax, or investment advice. Confirm a decision where it actually binds you.
How this page works
All fields on the form are passed into a local engine. Invert PMT: maximum loan from a target payment, rate, and term. Ignores taxes, insurance, and lender rules unless you type income and DTI.
Limits
Fees, tax tables, lender overlays, and market prices are omitted unless you typed them. Sibling calculators cover nearby jobs without mixing formulas.