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Loading your affordability check...
Enter your income and debts to see what you can afford
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Recommended Price
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Bank Maximum
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43% DTI limit
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Comfortable
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28% DTI target
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Recommended
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Sweet spot
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Your DTI
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Debt-to-income ratio
🎯 The Verdict
Enter your financial details below.
💵 Your Finances
Gross monthly income and existing debts
🏠 Three Price Tiers
What the bank says vs what your life can handle
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Three Price Tiers Compared
Maximum, comfortable, and recommended — side by side
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DTI Deep Dive
Your debt-to-income ratio at each price tier
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Down Payment Scenarios
How 5%, 10%, and 20% down changes what you can afford
Three Price Tiers
Monthly Payment at Each Tier
DTI at Each Price Point
Payment Breakdown
House Affordability Report
Vault & Vessel Studio ·
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How To Use
Find your real home budget — not what the bank approves, but what your life can handle
🚀 Getting Started
1
Enter Your Income
Gross monthly income (before taxes — what your employer pays you, not what hits your bank account).
2
Add Monthly Debts
Car payments, student loans, credit card minimums, personal loans — everything with a monthly payment. Don't include utilities or subscriptions.
3
See Three Price Tiers
Bank maximum (what you qualify for), comfortable (with lifestyle room), and recommended (the sweet spot). The gap between them is eye-opening.
4
Test Down Payments
See how 5%, 10%, and 20% down changes your monthly payment and DTI. More down = more house for the same monthly cost.
📊 Terms Made Simple
DTI (Debt-to-Income): All your monthly debt payments (including the new mortgage) divided by your gross monthly income. Lenders cap this at 43-50%. Below 36% is healthy. Below 28% is comfortable.
Bank Maximum: The most expensive house a lender will approve you for — based on 43% DTI. Just because you qualify doesn't mean you should buy at this level. It leaves zero room for life.
28% Rule: Financial planners recommend spending no more than 28% of gross income on housing. This is the "comfortable" tier — you can still eat out, travel, and save.
PMI (Private Mortgage Insurance): If your down payment is less than 20%, lenders charge 0.5-1% of the loan annually as insurance. On a $300K loan, that's $125-250/mo extra. It drops off once you hit 20% equity.
🔒 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 financial advice. Actual approval depends on credit score, employment history, and lender requirements. Use as a budget planning tool, not gospel.