Калкулатор за достъпност на къщата

Разберете колко къща можете да си позволите въз основа на вашите доходи, дългове и авансово плащане.

Вашите финанси

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Плащания за автомобили, студентски заеми, кредитни карти и др.

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Подробности за заема

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Enter your income, debts, and down payment to see how much house you can afford and compare conservative, moderate, and aggressive scenarios.

Пълно ръководство за потребителя

What is House Affordability?

House affordability is the maximum home price you can afford based on your income, existing debts, down payment, and loan terms. Lenders use debt-to-income (DTI) ratios to ensure you can repay the loan. The 28/36 rule is common: no more than 28% of gross income on housing (front-end DTI) and no more than 36% on all debts combined (back-end DTI).

Front-End vs Back-End DTI

Front-End DTI (28% guideline)

Housing payment (P&I, taxes, insurance, PMI, HOA) ÷ gross monthly income. Lenders prefer this under 28%.

Back-End DTI (36% guideline)

All monthly debts (housing + car, student loans, credit cards, etc.) ÷ gross monthly income. Lenders prefer this under 36%.

Как да използвате този калкулатор

  1. Enter your gross annual household income (before taxes).
  2. Enter total monthly debt payments (excluding rent).
  3. Enter the down payment you have available.
  4. Set interest rate, loan term, property tax %, insurance %, and HOA if applicable.
  5. Click Calculate to see your max affordable home price and monthly payment.
  6. Compare Conservative (25%), Moderate (28%), and Aggressive (32%) scenarios.

Разбиране на вашите резултати

Max Home Price

The highest home price that keeps your total housing payment within the 28/36 DTI limits based on your inputs.

Scenarios

Conservative uses 25% of income for housing; Moderate uses 28% (recommended); Aggressive uses 32% (higher risk).

Monthly Payment Breakdown Chart

The doughnut chart shows how your total monthly housing payment is split: Principal & Interest (P&I), property tax, insurance, PMI (if down payment < 20%), and HOA. Use it to see where your money goes each month.

Използвани формули

Max housing payment

min(28% × monthly income, 36% × monthly income − monthly debts)

Monthly P&I

P&I = Loan × [ r(1+r)^n ] / [ (1+r)^n − 1 ]

r = monthly rate, n = number of payments.

Важни бележки

  • This calculator is for estimation only. Lenders may use different DTI limits or include other factors.
  • Property tax and insurance are estimates (as % of home value). Actual amounts vary by location and policy.
  • Get pre-approved with a lender to know your actual budget and rate.

Съвети за покупка на жилище

  • Get pre-approved before house hunting.
  • Don't max out your budget; leave room for maintenance and emergencies.
  • Pay down debt to improve DTI and qualify for better rates.
  • Keep 3–6 months of expenses in reserves after closing.

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