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Buying a house: How much can you afford?

Beyond a down payment and closing costs, the real key to affordability is monthly cash flow — what you must pay every month to own a home and live in it, compared with your monthly income. This calculator can help you estimate what lending professionals call your debt-to-income ratio.

Enter monthly payment in whole dollar amounts
Mortgage payment* or rent
Car payment
Student Loans
"Minimum" credit card(s)
Child support/alimony
Other personal loans/obligations

Gross monthly income

Your debt to income ratio, expressed as a percentage, is: 0%

*A monthly mortgage payment consists of principle, interest, taxes and insurance.