Affordability tools reverse the usual mortgage payment question: instead of “what is my payment on this price?”, they ask “what price fits a payment budget built from income?”
Three building blocks
- Gross income and other monthly debts you enter
- Sample front-end and back-end DTI caps (editable teaching percentages)
- Rate, term, down payment %, and optional tax/insurance/HOA
Sample
$80,000 income · 20% down · 6.5% · 30 years → about $280,165 (P&I about $1,416.67). Open sample
Related
Frequently asked questions
What does “how much house can I afford” mean here?
A learning estimate of max home price from income, sample DTI caps, rate, term, and down payment—not a lender decision.
Sample result for $80,000 income with 20% down?
About $280,165 under Nestfigure’s stated sample assumptions.
Related tool
Estimate max home price free
Income, DTI samples, rate, down payment.
Open affordability calculatorSources linked above include U.S. government materials (for example CFPB, FDIC, NCUA, BLS, IRS) where noted. Sample math uses only labeled Nestfigure assumptions—not bank quotes, job offers, or personalized advice. Last reviewed: August 9, 2026.