Can I buy a house next year?

Move the numbers. Watch what a bank will approve — and what you can actually carry — pull apart in real time.

Private by design — your numbers never leave this device. All math runs here, nothing is sent anywhere.

The two numbers

what they'll approve vs. what you can carry
Your sleep-at-night number
$458,000
28% housing / 36% total debt. Reserves intact. Buy here.
The gap
$97,000
↔
The bank's ceiling
$556,000
45% back-end DTI. A maximum, not a recommendation.

The money moment

What clearing your $2,200 debt would do
Your existing debt comes off both DTI ceilings, dollar for dollar. Here's your sleep-at-night price with it — and without it.
Sleep-at-night now
$458,000
+$97,000
of house
With debt cleared
$556,000

True monthly cost

at your sleep-at-night price
Principal & interest
$0
Property tax
$0
Insurance
$0
PMI
$0
HOA
$0
Housing cost — what DTI counts
$0
Maintenance reserve
$0
All-in monthly — what you'll feel
$0
PMI OFF — 20%+ down.
The bank underwrites to the housing cost. Your account pays the all-in — maintenance is the line nobody quotes you.

Cash to close

at your sleep price
Down payment
$0
Closing costs
$0
Prepaid escrow (3 mo.)
$0
Cash to close
$0
Cash remaining
$0

If rates move

P&I on your loan · borrowing power
RateP&I / moSleep pricevs. now
P&I is on the loan behind your current sleep-at-night price. Sleep price is what your income supports at each rate.