Àwọn
Ṣayẹwo bi o ṣe le ra ile kan ti o le gba lati owo rẹ, owo-ori ati owo-ori ti o wa ni isalẹ.
Àwọn Àtòjọ-ẹ̀yàn àwọn ìṣàmúlò-ètò
Àkóónú ìṣàmúlò-ètò yìí
A home affordability calculator estimates the house price you can comfortably buy based on your income, existing monthly debts and down payment. It applies the standard lender debt-to-income limits — a front-end housing ratio and a back-end total-debt ratio — to find your maximum monthly payment, then works backward through the mortgage formula to a loan amount and a home price.
The two limits are the well-known 28/36 rule: housing should stay under 28% of gross monthly income, and all debt including housing under 36%. The tool takes the lower resulting payment. For example, on an 80,000 salary with 500 of other monthly debts, the back-end limit allows 1,900 for housing; after setting aside roughly 425 for property tax and insurance, about 1,442 covers principal and interest, which at 7% over 30 years supports a loan near 217,000 — so with 40,000 down, a home around 257,000.
Use it as a starting point for house-hunting and to see how a bigger down payment, a lower rate or paying off a car loan changes your budget. It estimates the loan you can carry, not a guaranteed approval; lenders also weigh credit score, employment and reserves, so treat the figure as an upper bound.
Àwọn Àtòjọ-ẹ̀yàn
Kini àwọn ìṣẹ̀dà 28/36?
A ti o wọpọ loaner guideline: gbese ko ju 28% ti gross osu-akoko owo-ori lori ile (the front-end ratio) ati ko ju 36% lori gbogbo owo-ori pẹlu ile (the back-end ratio). yi irinṣẹ gba ti o kere ju ti awọn meji ibiti o ti ibiti o ti.
Njẹ eyi ni a fi pamọ si owo-ori ati ifowopamọ?
Kò - ó ǹwó ìdáràn ìdíyelé àti ìdíyelé tí o lè wọ̀. Ìdáràn tí ò wá ní àwọn à
Igba wo ni mo le ra ile pẹlu owo mi?
A ìwé ìgbésẹ ni 3 si 5 igba rẹ ìgbésẹ ọdun, sugbon ti o ti wa ni gidi ibiti o ti wa lati awọn oṣuwọn rẹ ati awọn owo-ori ti o gba ni awọn oṣuwọn ti wa ni bayii. Fi awọn nọmba rẹ sinu loke; oṣuwọn owo-ori ti o gaju ti o ni ipọnju ti o le gba fun oṣuwọn owo-ori oṣuwọn kanna.
Njẹ ifunni ti o tobi ju yoo jẹ ki mo gba ile diẹ sii?
Ya, mejila lọ́wọ́lọ́wọ́. Ìpàlẹ̀ tí a fí kuń nípárá sí iyé tí o lè rá, tí o bá lọ́wọ́lọ́wọ́ si 20% tí o bá yọ́kùkù nípára
Kini idi ti ifowopamọ owo-ori miiran ṣe n fa ki ohun ti mo le gba pọ si?
Nitori pe awọn back-end 36% limit counts all your debt. Gbogbo dollar ti ọkọ tabi kaadi isanwo ti o ti dẹkun frees a dollar ti awọn oṣuwọn owo-ori fun ile, ti o le fi awọn ẹgbẹrun lọna si awọn ile owo ti o ti ni ẹtọ fun.
Kini iye owo ti o ju principal ati owo-ori lọ ti mo yẹ ki n ṣe eto fun?
Property tax, homeowners insurance, any HOA dues and mortgage insurance all ride on top of principal and interest, plus upkeep and closing costs. The advanced fields let you enter tax, insurance and HOA so the affordable price reflects the full monthly cost, not just the loan.
API — ló àwọn ìṣàmúlò-ètò yìí láti inú ìṣàmúlò-ètò
Fi àwọn ìṣàmúlò-ètò yìí kọ̀ǹpútà yìí láti jẹ́ ààyè-iṣẹ́ JSON tí a tí fi pamọ́ - kò ní bọ́tìnì kan tí a fẹ́. Fi àwọn fálù ààyè-iṣẹ́ sílẹ̀ sí bí àwọn àwọn ìṣàmúlò-ètò àti JSON. Anything you omit uses the same default this page is pre-filled with; an unknown parameter is a 400, never a silent zero. Ka àwọn àkọlé API kíkún →
Àwọn Ààyè Ìjánu-ìṣàmúlò-ètò
GET https://calculator.free/api/v1/home-affordability/curl
curl "https://calculator.free/api/v1/home-affordability/?income=80000&debts=500&down=40000&rate=7&years=30"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/home-affordability/?" + new URLSearchParams({
"income": "80000",
"debts": "500",
"down": "40000",
"rate": "7",
"years": "30"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.