How Much House Can You Afford?
Based on the 28% front-end DTI rule
$
$
3% (FHA)20% (No PMI)30%
%
You Can Afford
$372,826
Conventional Loan • 28.0% front-end DTI
Monthly Payment Breakdown
Principal & Interest$1,885
Property Tax$342
Home Insurance$109
Total Monthly$2,336
Loan Details
Down Payment (20%)$74,565
Loan Amount$298,261
Loan TypeConventional ✓
DTI Ratios
Front-End DTI
28.0%
Target: ≤28%
Back-End DTI
34.0%
Target: ≤36%
2025 Conforming Loan Limit: $806,500 (most areas) |$1,209,750 (high-cost areas)
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