---
title: "Home Affordability Calculator: Ondo Real Estate"
description: "Estimate what home price fits your income, debts, and expenses."
canonical: https://www.ondorealestate.com/calculators/affordability/
---

# Home Affordability Calculator

> Estimate what home price fits your income, debts, and expenses.

## Formula

Max home price ≈ (target monthly PITI × qualifying factor) at the front-end DTI limit for the loan program. Ondo applies conservative property tax and insurance defaults; adjust for your county.

## Inputs

- Gross monthly income (USD)
- Monthly debts (USD)
- Down payment (USD)
- Annual interest rate (%)
- Loan term (years)
- Loan program (conventional, FHA, VA, USDA)

## Notes

- Front-end and back-end DTI thresholds vary by program; consult a loan officer for a binding qualification.
- Monthly debts means counted obligations on the credit report (and other debts the investor requires), not a DIY list. HOA is usually housing, not this box.
- Variable income is typically averaged. Do not enter last month’s best deposit as if it were base pay.

## Try the interactive version

- HTML calculator: https://www.ondorealestate.com/calculators/affordability/
- All calculators: https://www.ondorealestate.com/calculators/

---
## Required disclosures

Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. Equal Housing Lender.

Real estate services provided by Ondo Real Estate. Information is deemed reliable but is not guaranteed and should be independently verified. Equal Housing Opportunity.

Automated home-value or rent figures on this site are estimates generated from available data. They are not an appraisal, a broker price opinion, or a comparative market analysis, and should not be relied upon as a statement of value.

The on-site AI assistant is informational only. Replies are generated by an automated assistant and may contain errors. This information is general in nature and is not legal, tax, or financial advice. Please verify important details with a member of the Ondo Real Estate team.

Licensed activity: real estate brokerage and mortgage origination are marketed for Utah. Remote online notarization (RON) is offered nationwide. Confirm current licensure with Ondo before relying on a service in a given state.

## Sitemap

See the full [Markdown sitemap](https://www.ondorealestate.com/sitemap.md) for every public page and its Markdown twin.