NYC DTI & Home Affordability Calculator | Estimate Your Buying Power

DTI & Affordability Calculator

Income & Debts

Gross Annual Income Total Monthly Debts

Available Funds

Available Funds for Down Payment & Closing Buy-Side Closing Costs (%) Post-Closing Liquidity (Months of Total Costs)

Loan Details

Mortgage Interest Rate (%) Mortgage Term (Years)

Monthly Carrying Costs

Monthly Carrying Costs (Taxes + HOA) Annual Insurance Premium

Enter Your Details

Fill in income and debt details to see affordability calculation

DTI Analysis

Monthly Income

Monthly Debts

Current DTI Ratio

Max Frontend DTI (36%)

Max Backend DTI (43%)

Affordability Analysis

Maximum Home Price

Required Down Payment (20%)

Estimated Closing Costs

Liquidity Reserve

Total Funds Required

Remaining Cash After Purchase

Monthly Payment Breakdown

Principal & Interest

Monthly Taxes & HOA

Monthly Insurance

Total Monthly Payment

Housing DTI Ratio

Total DTI Ratio

Monthly Income Allocation

Principal & Interest

Taxes & Insurance

Existing Debts

Available Income

Disclaimer: This calculator provides estimates for illustrative purposes only. Actual loan approval depends on many factors including credit score, employment history, and lender requirements. Please consult with your mortgage professional for exact figures and pre-approval.

Byson Real Estate Co.

Phone

(844) 495-1010

Address

LONG ISLAND CITY 5-17 46th Rd Floor 2 LONG ISLAND CITY NY 11101 NEW YORK CITY 800 Third Ave Suite A #1320 NEW YORK NY 10022 LONG ISLAND 442 S Oyster Bay Rd #1046 HICKSVILLE NY 11801

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DTI & Affordability