🏠
Your comfortable home price range
Based on your income and debts
$340K
Comfortable Price
🚧
Bank Max
$425K
Max you qualify for
💚
Comfortable
$340K
Keeps life enjoyable
💰
Monthly Payment
$2,180
At comfortable price
📈
DTI Ratio
32%
Debt-to-income
🎯 The Verdict
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💰 Your Finances
Income, debts, and down payment
🏠 Three Price Tiers
Max, comfortable, and recommended
💰
Monthly Payment Breakdown
Where every dollar of your payment goes
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Down Payment Scenarios
See how 5%, 10%, and 20% change your numbers
📈
DTI Ratio Analysis
How lenders evaluate your debt load
Price Tiers Comparison
Monthly Payment Allocation
Down Payment Impact
DTI at Each Price Tier
Home Affordability Report
Vault & Vessel Studio ·
📖
How To Use
Find the home price that fits your life — not just your qualification
🚀 Getting Started
1
Enter Your Income
Annual gross income (before taxes). Include all regular income sources — salary, bonuses, side income.
2
Add Monthly Debts
Car payments, student loans, credit card minimums, child support. NOT rent, utilities, or food.
3
See Three Price Tiers
Bank max (what you qualify for), comfortable (leaves room for life), and recommended (sweet spot).
4
Check Your DTI
The DTI gauge shows if your debt load is healthy. Lenders cap at 43%, but 28-33% is the sweet spot.
📊 Terms Made Simple
DTI (Debt-to-Income): Your total monthly debts divided by your gross monthly income. Lenders use this to decide how much you can borrow. Under 36% is healthy, over 43% is risky.
PMI (Private Mortgage Insurance): Extra monthly charge if your down payment is less than 20%. Usually 0.5-1% of the loan amount per year. Goes away once you hit 20% equity.
PITI: Principal + Interest + Taxes + Insurance — the four components of your total monthly housing payment. When people say "monthly payment," THIS is the real number.
28/36 Rule: Spend no more than 28% of gross income on housing, 36% on total debt. This is the "comfortable" number — it keeps room for saving, fun, and emergencies.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not a mortgage pre-approval. Actual loan amounts depend on credit score, employment history, and lender requirements. Consult a mortgage professional.