HOME AFFORDABILITY
How much house can you afford?iThis works backward from your debt-to-income (DTI) ratio — the share of monthly income lenders let you spend on debt. It caps your total monthly housing payment at your chosen DTI minus your existing debts, then solves for the highest price that fits (with property tax and insurance baked in). 36% is conservative; 43% is a common upper limit for a qualified mortgage.
Enter your income, monthly debts, and down payment to see the highest home price your budget reasonably supports in Whatcom County — and the monthly payment that comes with it.
WHAT YOU CAN AFFORD
Max home price$0
Your down payment$0
Max loan amount$0
Estimated monthly payment (PITI)$0
A guideline, not a pre-approval. Lenders also weigh credit score, cash reserves, employment history, and loan type (FHA/VA/USDA limits differ), and PMI applies under 20% down. Self-employed or non-traditional income? That’s my specialty — there’s often more room than a DTI box suggests. Get a real pre-approval before you shop.
Start the buyer’s guide