Calculateur d Accessibilite Hypothecaire
Estime le prix maximum et le pret possible selon revenus, dettes, apport et DTI. Le calcul inclut taxes et assurance pour un paiement realiste.
Car loans, credit cards, student loans, etc.
Most lenders use 43% max DTI
Advanced Settings
US average is ~1.1%. Varies widely by state (0.3% in Hawaii to 2.2% in New Jersey).
Typically 0.3% to 1.0% of home value per year.
Private mortgage insurance, typically 0.3% to 1.5% of loan amount per year.
Homeowner association monthly dues, if applicable.
Max housing-only DTI. Most lenders use 28%. The back-end DTI above includes all debts.
Maximum Home Price
Max Loan Amount
Monthly Payment
Down Payment
Your DTI Ratio
Monthly Budget Breakdown
Annual Income Analysis
Pourquoi cette methode
Les preteurs utilisent le DTI: (Dettes + Logement) / Revenu mensuel.
L inclusion des taxes et de l assurance rend le paiement total plus realiste.