Affordability Calculator
Compare comfortable, target, and stretch purchase ranges from income, debts, down payment, rates, taxes, insurance, PMI, and closing-cost assumptions.
Target purchase range$387,443
Inputs
Ranges are solved from front-end and back-end DTI planning bands.
Down payment
Rate default: FRED MORTGAGE30US - 2026-08-13Tax default: Hamilton County TN ACS effective-rate estimate - acs2024_5yr
Payment and Cash Assumptions
PMI
Results
$10,000 monthly income before debt payments.
Comfortable$344,394$2,500/mo
Target$387,443$2,800/mo
Stretch$430,492$3,100/mo
Target cash$48,741Estimated cash to close
Purchase Ranges
DTI solver output| Range | Purchase | Payment | Cash to close | Housing DTI | Total DTI | Limiter |
|---|---|---|---|---|---|---|
| Comfortable | $344,394 | $2,500 | $43,328 | 25% | 31.5% | Housing |
| Target | $387,443 | $2,800 | $48,741 | 28% | 34.5% | Housing |
| Stretch | $430,492 | $3,100 | $54,154 | 31% | 37.5% | Housing |
Estimates only. Affordability is not loan approval. Lender rules, credit, reserves, property details, taxes, insurance, HOA, and loan type can change the result.