QUILLIE REAL ESTATE TEAM • CPA-LEVEL BUYER GUIDANCE
How Much House You Can Afford
Set a monthly housing payment you’re comfortable with. We calculate the home price that fits — and apply lender-style DTI caps as a safety limit.

Affordability Inputs

Your Monthly Payment Drives Everything PITI

Your housing payment includes: principal & interest, taxes, insurance, HOA (if any), and mortgage insurance.
Estimated max purchase price
$—
Estimated monthly housing payment (PITI)
$—
Estimated down payment ($)
$—
Principal & Interest$—
Mortgage Insurance / MIP (est.)$—
Property Taxes$—
Homeowners Insurance$—
HOA$—
Total Housing Payment (PITI)$—
—
CPA note: This is a planning tool. Final approval depends on credit, assets, employment, property type, and lender overlays.

Want Your Numbers Confirmed?

I can connect you with a trusted loan officer to validate buying power and help you submit stronger offers — without guesswork.
Get Pre-Approval Help Call 678-573-6100
Monthly payment target
$—/mo
Move the slider to set your comfortable payment.
$
🏠
You can afford a house up to
$—
With a payment target of $—/mo, this price should fit comfortably within your budget.
$—
Your slider payment is higher than your DTI-based cap. We used the lower (DTI-safe) payment for this estimate.
QUILLIE REAL ESTATE TEAM • CPA-LEVEL BUYER GUIDANCE
How Much House You Can Afford
Choose a monthly payment you feel comfortable with, then we calculate the home price that fits. (We also apply lender-style DTI caps as a safety limit.)

Affordability Framework + Inputs

1) Your Monthly Payment Drives Everything PITI

Your total monthly housing payment includes: principal & interest, taxes, insurance, HOA (if any), and mortgage insurance.

2) DTI Guidelines (Common Lender Standard)

Income Builder (optional)
Total annual income: $—
Add qualifying income (co-borrower, bonus, second job). Calculator uses: Base + Additional.
DTI-based max housing payment (cap)
$—
—
CPA note: The slider is your comfort target. We also apply DTI caps as a safety limit.

Want Your Numbers Confirmed?

I can connect you with a trusted loan officer to validate buying power and help you submit stronger offers — without guesswork.
We’ll confirm:
• Pre-approval amount + payment comfort zone
• Cash needed at closing (down payment + typical costs)
• DTI structure so underwriting is smoother
• Offer strategy for the neighborhood you’re targeting
Get Pre-Approval Help Call 678-573-6100
Monthly payment target
$—/mo
Move the slider to set your comfortable payment.
$
🏠
You can afford a house up to
$—
With a payment target of $—/mo, this price should fit comfortably within your budget.
$—
Note: Your payment target is higher than your DTI-based cap. We used the lower (DTI-safe) payment for this estimate.
QUILLIE REAL ESTATE TEAM • CPA-LEVEL BUYER GUIDANCE
How Much House You Can Afford
Below is the industry-standard affordability framework lenders use. You can plug in your numbers anytime. I can also connect you with a trusted loan officer to confirm the figures and strengthen your offer.

Affordability Framework + Calculator

1) Your Monthly Payment Drives Everything PITI

Lenders look at what you can comfortably pay each month — not just the home price. Your monthly housing payment includes: principal & interest, taxes, insurance, HOA (if any), and mortgage insurance.

2) The 28/36 Rule (Lender Standard)

Example: If gross income is $7,000/mo → max housing at 28% = $1,960/mo; max total debt at 36% = $2,520/mo. If other debts are $400/mo → housing cap becomes $2,520 – $400 = $2,120/mo.

3) Down Payment Changes the Price You Can Buy

Typical down payments: 3% Conventional, 3.5% FHA, 0% VA, 5–20% Conventional (stronger offers). More down payment can reduce the payment and increase purchase power.
Estimated max purchase price
$—
Estimated monthly housing payment (PITI)
$—
Estimated down payment ($)
$—
CPA note: This is a planning tool. Final approval depends on credit, assets, employment, property type, and lender overlays. FHA also has additional rules and upfront/closing items that can change cash-to-close.

Shop With Confidence

Want the numbers confirmed by a lender partner? I’ll connect you with a trusted loan officer to validate buying power and help you submit stronger offers.
We’ll confirm:
• Pre-approval amount + payment comfort zone
• Cash needed at closing (down payment + typical costs)
• DTI structure so underwriting is smoother
• Offer strategy for the neighborhood you’re targeting
Get Pre-Approval Help Call 678-573-6100
If you want, I can also add a “Send My Numbers” button that routes like your pre-approval widget.
QUILLIE REAL ESTATE TEAM • CPA-LEVEL BUYER GUIDANCE
How Much Home Can You Afford?
Before you tour homes, let’s get clarity on your true price range — the payment, the cash needed at closing, and the debt-to-income comfort zone. I can also connect you with a trusted loan officer to confirm numbers and strengthen your offer.
Budget-firstOffer-readyStress-lowerCPA-level clarity

Affordability Calculator

This estimate uses common underwriting targets and your inputs to calculate a **maximum comfortable purchase price**. You can adjust ratios, rate, and monthly costs to match reality.
Estimated max purchase price
$—
Estimated monthly housing payment
$—
Estimated loan amount
$—
CPA note: This is a planning tool. Final approval depends on credit, assets, employment, property type, county taxes, insurance, and lender overlays.

Shop With Confidence

Knowing your true range makes house hunting smoother — and your offer stronger. If you want, I’ll connect you with a trusted loan officer to confirm the numbers and lock your buying power.
What we’ll confirm (fast):
• Pre-approval amount + payment comfort zone
• Cash needed at closing (down payment + typical costs)
• DTI structure (so underwriting is smoother)
• Offer strategy based on the neighborhood and competition
Get Pre-Approval Help Call 678-573-6100
Want me to set this up with your lender partner? I can route the request the same way your pre-approval widget does.