免费房贷承受力计算器
根据您的收入、支出和首付款，估算您能负担的最高房贷金额和房价。
Car payments, student loans, credit cards, etc.
Affordable Home Price
$363,785
Affordable Home Price vs Monthly Debt Payments
公式
How Mortgage Affordability Is Calculated
Lenders use the 28/36 rule to determine how much you can afford:
The calculator takes the lower of these two limits and works backward to find the maximum loan amount you qualify for.
计算示例
You earn $85,000/year with $500/month in existing debts, $50,000 down payment, at 6.5% for 30 years.
- 01Monthly income: $85,000 / 12 = $7,083.33
- 0228% rule max housing payment: $7,083.33 * 0.28 = $1,983.33
- 0336% rule max total debts: $7,083.33 * 0.36 - $500 = $2,050.00
- 04Use lower value: $1,983.33
- 05Max loan amount at 6.5% for 30 years: $313,770
- 06Affordable home price: $313,770 + $50,000 = $363,770
常见问题
What is the 28/36 rule?
The 28/36 rule states that you should spend no more than 28% of gross monthly income on housing costs and no more than 36% on total debt (housing plus other debts like car loans and credit cards).
How much house can I afford on my salary?
As a quick estimate, you can generally afford a home priced at 3-5 times your annual income, depending on your debts, down payment, and interest rate.
Does this include property taxes and insurance?
This calculator estimates the maximum based on principal and interest only. Property taxes, insurance, and PMI will reduce the actual amount you can borrow.
What credit score do I need to buy a house?
Conventional loans typically require a minimum credit score of 620. FHA loans allow scores as low as 580 with 3.5% down, or 500 with 10% down. The best mortgage rates generally go to borrowers with scores above 740.
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