Your 12-month plan · month 2
my house numbers
Four steps that turn your income and your debts into a home price. Do one a week or all at once.
find your DTI
DTI means debt-to-income. It compares what you owe each month to what you earn each month. Open the app you use to see your credit. Skip the score. Type in the minimum monthly payment for each kind of debt.
Leave these out: rent, groceries, utilities, your phone bill, and insurance.
Your DTI today
0%
Fill in your numbers above.
find your payment
You need two monthly house payments. The first is the most a lender may approve. I worked that one out from your week 5 numbers. The second is the payment that fits your real life. You find that one with my affordability tool.
Open the affordability toolA lender may approve up to
$0
Lenders usually want your debts plus your house payment at about 43% of your income.What fits your life
$0
From the affordability tool.Your payment is the lower one
$0
Fill in both numbers to see your payment.
start practice payments
A practice payment is the difference between your house payment and the rent you pay now. You move that amount into savings every month. It shows you how the new payment feels, and it grows your savings.
Your practice payment
$0
Fill in your rent to see it.
find your price range
Here is a quick estimate. It is three times your yearly income before taxes. Use it as a rough check only.
Quick estimate
$0
For your real range, open the affordability tool. It shows the home prices that fit your monthly payment. Then type that range below.
Keep these
my house numbers
- Monthly debt payments$0
- Monthly income before taxes$0
- My DTI0%
- Most a lender may approve$0 a month
- What fits my life$0 a month
- My payment$0 a month
- My practice payment$0 a month
- My price rangenot set yet
Tap copy, then paste into your notes app.