Calculatrice du Prix de Maison
Estimez combien vous pouvez vous permettre pour une maison selon vos revenus, dettes et apport. Basé sur les directives des prêteurs hypothécaires.
Calculatrice du Prix de Maison
The house price calculator helps you estimate how much home you can afford based on your gross annual income, monthly debts, down payment, and current mortgage interest rates.
Lenders typically use two key ratios: the front-end ratio (housing costs should not exceed 28% of gross income) and the back-end ratio (total debt payments should not exceed 36–43% of gross income).
This is an estimate only. A mortgage lender will review your credit score, employment history, and other factors before approving a loan amount.
How Much House Can You Afford?
The 28/36 rule is a common guideline: spend no more than 28% of gross monthly income on housing costs (mortgage, taxes, insurance) and no more than 36% on total debt (housing + car loans + student loans + credit cards).
Some lenders allow up to 43% back-end DTI (Debt-to-Income ratio) for conventional loans or up to 50% for FHA loans with compensating factors.
Factors That Affect How Much House You Can Buy
Credit score significantly impacts your mortgage rate. A score of 740+ typically gets you the best rates; scores below 620 may disqualify you from conventional loans.
Down payment size matters too. A 20% down payment avoids private mortgage insurance (PMI), which adds 0.5–1.5% of the loan amount annually.