Calculateur d'Accessibilité Hypothécaire
Calculez prix max, montant du prêt et ratios DTI avant/arrière selon revenus et dettes.
Lisez aussi: Guide accessibilité hypothèque, Calculateur HELOC, Louer vs acheter
Comment ça marche
A mortgage affordability calculator estimates max home price and front/back-end DTI from income, debts, down payment, rate, and housing costs.
Les prêteurs plafonnent la part du revenu brut pour le logement (DTI avant) et pour toutes les dettes (DTI arrière)—c'est le plafond le plus bas qui compte. Ex. : 8 500 €/mois, 28 % avant → 2 380 € de logement ; avec 450 € d'autres dettes et 36 % arrière, ~2 380 €. À 6,75 % sur 30 ans et 60 000 € d'apport, le prix max se situe autour de 300 000 €.
Combien de maison pouvez-vous vraiment vous offrir?
L'accessibilité utilise revenu brut, dettes mensuelles, apport, taux et coûts logement pour prix max et DTI avant/arrière. FHA, VA et jumbo ont des règles différentes.
Résultat sans PMI si apport faible, sans entretien—budgetez 1 % de la valeur annuelle.
Comparez avec le calculateur de paiement hypothécaire pour le P&I au prix max suggéré.
Guide, exemples et méthodologie
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
- Calculateur HELOC
- Calculateur de Prêt
- Acheter ou Louer
- Calculateur de Rachat et Renegociation de Crédit
Questions fréquentes
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.
Qu'est-ce que le DTI avant vs arrière ?
Avant : logement seul sur revenu brut. Arrière : plus auto, cartes, prêts étudiants. Repères courants : 28 % / 36 %.
Taxes et assurance incluses ?
Le modèle couvre capital et intérêts ; les prêteurs incluent souvent taxes et assurance (PITI) dans le DTI avant.
Pourquoi mon prix max est-il plus bas qu'ailleurs ?
D'autres outils supposent un DTI plus élevé ou ignorent les dettes ; ajustez les limites selon votre prêteur.