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$364,344
Inputs
Ranges are solved from front-end and back-end DTI planning bands.
Down payment
Rate default: FRED MORTGAGE30US - 2026-10-08Tax default: Hamilton County TN ACS effective-rate estimate - acs2024_5yr
Payment and Cash Assumptions
PMI
Results
$10,000 monthly income before debt payments.
Comfortable$323,861$2,500/mo
Target$364,344$2,800/mo
Stretch$404,826$3,100/mo
Target cash$45,935Estimated cash to close
Purchase Ranges
DTI solver output| Range | Purchase | Payment | Cash to close | Housing DTI | Total DTI | Limiter |
|---|---|---|---|---|---|---|
| Comfortable | $323,861 | $2,500 | $40,833 | 25% | 31.5% | Housing |
| Target | $364,344 | $2,800 | $45,935 | 28% | 34.5% | Housing |
| Stretch | $404,826 | $3,100 | $51,036 | 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.