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How Much House Can I Afford?

Multi-loan-type affordability with simultaneous FHA, VA, Conv 5/10/20% scenarios.

Most affordability calculators show a single number. ValiFit shows your max purchase price across every viable loan type at once — FHA, VA, Conventional 5/10/20% — using the federal 28%/43% DTI guidelines. The same income gets a different price ceiling under each loan, and county-specific FHA limits matter (Bergen NJ FHA ceiling is $1.25M; Warren NJ is $541K).

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Inputs

  • Annual household income
  • Monthly debt payments
  • Down payment savings
  • Estimated property tax rate
  • Estimated homeowners insurance
  • Target zip code (for FHA limits)

Outputs

  • Max price — FHA
  • Max price — Conv 5%
  • Max price — Conv 10%
  • Max price — Conv 20%
  • Max price — VA (if eligible)
  • Reach analysis (how many listings unlock at each price)

Formula

Front-end DTI: P&I + tax + insurance + PMI ≤ 28% × monthly income. Back-end DTI: front-end + monthly debts ≤ 43%. Solve for max P.

Federal Sources

ValiFit pulls these federal sources directly. We do not invent rates, fees, or limits — they come from the source agency.

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