Calculadora de Hipoteca Asequible
Calcule precio máximo de vivienda, préstamo y ratios DTI frontal y total según ingresos y deudas.
Lea también: Guía hipoteca asequible, Calculadora HELOC, Alquilar vs comprar
Cómo funciona
Calculadora de asequibilidad hipotecaria: precio máximo y DTI según ingresos, deudas y entrada.
Los bancos limitan el % de ingreso bruto para vivienda (DTI frontal) y para toda la deuda (DTI total); manda el límite más bajo. Ej.: 8.500 €/mes, 28% frontal → 2.380 € de vivienda; con 450 € de otras deudas y 36% total, sigue ~2.380 €. Con 60.000 € de entrada al 6,75% a 30 años, el precio máximo ronda los 300.000 €.
¿Cuánta casa puedes pagar de verdad?
Affordability usa ingreso bruto, deudas mensuales, entrada, tasa y costes de vivienda para estimar precio máximo y DTI frontal/trasero. FHA, VA y jumbo tienen reglas distintas.
El resultado no incluye PMI si la entrada es baja, ni mantenimiento—presupueste 1% anual del valor de la vivienda como regla práctica.
Compare con la calculadora de pago hipotecario para ver P&I en el precio máximo sugerido.
Guía, ejemplos y metodología
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.
Related calculators
- Calculadora de HELOC
- Calculadora de Préstamos
- Alquilar vs Comprar Casa
- Calculadora de Ahorro por Refinanciación
Preguntas frecuentes
How much house can I afford on my salary?
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.
¿Qué es DTI frontal vs total?
Frontal: solo vivienda sobre ingreso bruto. Total: incluye auto, tarjetas y otras deudas. Guías comunes: 28%/36%.
¿Incluye impuestos y seguro?
El modelo usa capital e intereses; los bancos suelen incluir impuestos y seguro (PITI) en el ratio frontal.
¿Por qué mi precio máximo es menor que otros simuladores?
Otros simuladores asumen DTI alto o ignoran deudas; ajuste aquí los límites a los de su banco.