Home Affordability Calculator

Car loans, student loans, credit cards, personal loans. NOT utilities, insurance, rent. The 36% rule includes all of these + new mortgage payment.

Not legally. But < 20% triggers PMI and higher rates. 3–5% is possible but expensive. 10–15% is a middle ground. Better credit score = access to lower rates at all down payments.

Huge. 620 credit score might get 7.5% rate; 780+ gets 5.5%. That 2% difference adds $100k+ in interest on a $400k mortgage. Raise credit score before buying.