Enter your income, monthly debts, and down payment to see your estimated maximum monthly payment and home price — computed live using the standard 36% debt-to-income rule.
Lenders generally want your total monthly debt — including your new house payment — to stay at or below 36% of gross monthly income. This tool applies that rule for you.
Assumes a 30-year fixed loan and the 36% debt-to-income rule: your total monthly debts, including the new house payment, stay at or below 36% of gross monthly income.
$300,601 loan + $50,000 down · 30-year fixed at 6.5%
This calculator is provided for illustration only. Results are estimates based on the 36% debt-to-income rule and exclude property taxes, insurance, HOA dues, and mortgage insurance. They are not a lending quote, pre-approval, or commitment to lend. Consult a licensed loan officer for exact figures.
A same-day pre-approval turns your estimate into real buying power — and a stronger offer.
The MARK Z team has closed thousands of homes across Metro Detroit — we’ll show you exactly what your number buys in each community.