mortgage
Calculadora de Acessibilidade — Quanto de imóvel você pode pagar?
Home affordability calculator using the industry 28/36 rule: housing ≤ 28% of gross income, total debt ≤ 36%. Enter monthly income, existing debts, and your down payment — the tool back-solves the max home price you should target. Ideal for first-time buyers anchoring a budget.
Atualizado:
Como usar
- Monthly income. Gross monthly income, including stable side income.
- Monthly debts. Car loan, credit cards, student loans...
- Down payment. Cash you have ready to put down.
Recursos principais
28/36 rule
Default DTI cap 36%, adjustable.
Tax + ins included
Defaults: 1.1% tax, 0.35% insurance per year.
Max home price
One number you can anchor on.
Max monthly
Shown separately for reference.
Existing debts
Subtracted before sizing new mortgage.
Mobile-first
Friendly sliders on phones.
Por que Treasury.to?
- ✓28/36 rule
- ✓Back-solve from income
- ✓Tax + insurance included
- ✓Adjustable DTI cap
- ✓Free
- ✓Instant
Perguntas frequentes
What does the 28/36 rule mean?
Housing ≤ 28% of gross income; all debt (including housing) ≤ 36%. The standard for bank and Fannie Mae underwriting.
Can I push DTI to 43%?
Yes — Qualified Mortgage loans allow up to 43%, FHA up to 50%. Adjust under Advanced.
Does it use current rates?
Default is 7% — replace with the rate your lender quoted you.