Free Tool

House Affordability Calculator

What you can actually afford, not what a bank might approve. This tool applies the conservative 28/36 rule and shows the opportunity cost context of your down payment.

Conservative guideline: This tool applies the 28/36 rule used by prudent lenders and wealth managers. It is designed for decision quality, not maximum leverage.
Inputs
Annual income is required.
Include car loans, student loans, and credit card minimums. Do not include current rent.
Down payment is required.
6.5%
1.2%
US average is around 1.1%. Check your county assessor for local rate.
You can afford up to
$0
Enter your income to begin
Your current debts exceed the 36% threshold. Reducing monthly debt obligations unlocks homebuying capacity.
Monthly Payment Breakdown
Principal & Interest$0 / mo
Property Tax$0 / mo
Home Insurance$0 / mo
Total Payment (PITI)$0 / mo
Max home price
$0
Down payment
$0 (0.0%)
Loan amount
$0
Debt-to-income ratio
0.0%
Affordability Gauge
$0 $0
Check a target home price
The LIUV Opportunity Cost
Your down payment, invested at 7% annually, would grow over 20 years. This is context for the decision, not a recommendation to avoid home ownership.
See what your down payment could grow to in a LIUV portfolio
Beyond one-time calculators, LIUV continuously optimizes your full portfolio with Buffett/Graham discipline.
See the Projection
Disclaimer: Based on the 28/36 qualifying guideline used by conservative lenders. Actual mortgage approval depends on credit score, lender requirements, and local market conditions. Property tax and insurance figures are estimates. Opportunity cost projection assumes 7% annual return and is not guaranteed. This tool does not constitute financial or mortgage advice.