Interactive tool

Affordability calculator

Name: 18 Holes to Home
Address: 11901 NE Village Plaza, Suite 271, Kirkland, WA, 98034, US
Price range: Free

Estimate a realistic buying range from income, debt, and rate assumptions.

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Income vs. debt

Start with lender-style ranges.

Estimate buying range from income and debt.

Debt sensitivity

See the impact of monthly obligations.

See how debt changes the range.

Down-payment paths

Compare 5%, 10%, and 20%.

Compare common down-payment paths.

Buying power model

Run your numbers.

Free, no signup required

Monthly income$12,000

Monthly Debt$800

Interest Rate6.5%

DTI limit43%

Debt-to-income (DTI) ratio is a key factor lenders use. 43% is a standard baseline, while 50% is often the absolute ceiling for conventional loans.

Max Affordable Payment

$4,360

5% Down

$726,104

10% Down

$766,444

20% Down

$862,249

Estimates only. The price ranges assume your full payment goes to loan principal & interest — your real budget must also cover property tax, insurance, and any HOA, so true affordability is lower. Actual qualification also depends on credit, reserves, and lender guidelines.

Markets and research comps

Spokane

Median $385K — Research comparison

Research only

Boise

Median $485K — Research comparison

Research only

Tacoma

Median $525K — South Sound value

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Next step

Use the scenario, then bring it into the round.

These calculators are planning tools, not lender quotes. Use them to get sharper questions and more useful next moves.

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