A mortgage affordability calculator estimates max home price and front/back-end DTI from income, debts, down payment, rate, and housing costs.
Banken begrenzen den Anteil des Bruttoeinkommens für Wohnen (Front-End-DTI) und alle Schulden (Back-End-DTI)—es gilt das niedrigere Limit. Beispiel: 8.500 €/Monat, 28 % Front-End → 2.380 € Wohnkosten; mit 450 € sonstigen Schulden und 36 % Back-End bleibt ~2.380 €. Bei 60.000 € Anzahlung, 6,75 %, 30 Jahre ergibt das einen Hauspreis im mittleren 300.000-€-Bereich.
Wie viel Haus können Sie sich leisten?
Erschwinglichkeit nutzt Bruttoeinkommen, Monatsschulden, Anzahlung, Zins und Wohnkosten für Maximalpreis und Front-/Back-End-DTI. FHA, VA und Jumbo haben andere Regeln.
Ergebnis ohne PMI bei niedriger Anzahlung, ohne Instandhaltung—1 % des Hauswerts jährlich einplanen.
Mit Hypothekenzahlungsrechner P&I zum vorgeschlagenen Maximalpreis vergleichen.
Leitfaden, Beispiele und Methodik
How to use this mortgage affordability calculator
Enter annual income, monthly debts, down payment, interest rate, loan term, and property tax/insurance/HOA estimates. See a suggested price range using common US debt-to-income guidelines (often 28% housing / 36% total DTI caps for conventional planning).
Example (USD)
Household
Input
Typical guideline
Income
$120,000/year gross
Lenders use gross for ratios
Debts
$500/mo car + cards
Reduces max payment
Down payment
10–20%
Affects PMI and payment
Front-end vs back-end DTI
Front-end (housing) DTI is principal, interest, property tax, insurance, and HOA divided by gross monthly income. Back-end DTI adds minimum payments on car loans, student debt, credit cards, and other obligations. Conventional underwriting often references 28% housing and 36% total, but FHA may allow higher housing ratios with compensating factors and jumbo lenders may require lower ratios. Listing sites sometimes show a price without your full debt picture—always include non-housing payments here.
How we calculate
We back into maximum principal and interest payment from income and debts, add tax/insurance/HOA estimates, and solve for price at your rate and term. FHA, VA, jumbo, and non-QM loans have different rules—this is an educational baseline, not a pre-approval.
PMI, down payment, and rate tiers
Less than 20% down often triggers private mortgage insurance, which raises the housing payment used in DTI. A larger down payment can improve rate tiers and remove PMI sooner than stretching to the maximum price at minimum down. Model a payment below the calculator ceiling so closing costs and moving expenses do not drain your cash reserves.
When to pair with other tools
After you bracket price, compare rent vs buy for your expected tenure in the market. If you already own, run the HELOC payment calculator or refinance savings tool before you assume equity access is cheap. For investment property, use rental cash flow and DSCR tools—owner-occupied DTI rules do not apply.
Common mistakes
Maxing out DTI with no emergency fund after closing.
Forgetting maintenance (often 1–2% of home value per year).
Using today's rates for a purchase 6+ months away.
Comparing online ‘affordability’ to what a lender quotes without shopping.
Lenders often cap housing payment around 28% of gross monthly income and total debt around 36%, though programs vary. Enter your income, debts, and down payment here for an estimate—then confirm with a licensed loan officer.
Was ist Front-End vs Back-End-DTI?
Front-End: nur Wohnkosten/Get Brutto. Back-End: plus Auto, Kreditkarten, Studienkredit. Richtwerte oft 28%/36%.
Sind Steuern und Versicherung enthalten?
Modell: Tilgung + Zinsen. Banken rechnen oft PITI (inkl. Steuern/Versicherung) in Front-End ein.
Warum ist mein Max-Preis niedriger als andere Rechner?
Marketing-Rechner setzen oft höhere DTI oder ignorieren Schulden—passen Sie die Limits an Ihre Bank an.