- Choose annual or monthly gross income and enter the amount.
- Enter other monthly debts (not the new mortgage).
- Set front-end and back-end DTI sample percentages (or keep the teaching defaults).
- Enter a sample mortgage rate, term, and down payment percent.
- Optional: add monthly tax, insurance, and HOA estimates.
- Read max home price, max loan, estimated P&I, binding constraint, and rate compare table.
Example: $80,000 · 20% down · 6.5% · 30 years
What it is not
- Not a pre-approval or credit decision
- Not a live rate quote
- Not PMI, closing costs, or local tax lookup
Frequently asked questions
What inputs do I need?
Gross income, other monthly debts, sample DTI caps, mortgage rate sample, term, down payment %, and optional tax/insurance/HOA.
Can I share a prefilled link?
Yes—use income, incomeMode, otherDebts, frontDti, backDti, rate, years, down, tax, insurance, and hoa.
Related tool
Open the free affordability calculator
Max price, loan, P&I, rate compare.
Open 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.