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Your full housing payment (PITI + HOA) divided by gross monthly income. Most lenders want this under 28%.
Enter your income and monthly debts. We’ll show you the max home price you qualify for — with real Florida taxes, insurance, HOA, and DTI in the math. Then talk to a lender who’s done this in Florida for 38 years.
Home affordability isn’t a guess — it’s a formula. Underwriters look at three ratios to decide how much you can borrow. Get these right and the max price falls out automatically.
Your full housing payment (PITI + HOA) divided by gross monthly income. Most lenders want this under 28%.
Total monthly debt — housing plus car, student, credit card — divided by gross monthly income. The cap is usually 43–50%.
Down payment + closing costs. The larger the down payment, the more home you can afford — and the less PMI eats into your budget.
The math is the same the underwriter uses — just with your numbers, in real time.
Use gross annual income before taxes. Include reliable bonuses and commission.
Car payments, student loans, minimum credit card payments. Skip utilities and groceries.
Use what you have saved. The calculator flags whether PMI applies based on the home price you can afford.
Try a 1% rate drop or a 50% DTI to see how much further your dollars stretch.
Florida has the highest homeowners insurance premiums in the country — often two to four times the national average.
Coastal counties tack on wind and flood policies. HOA dues on Florida condos can add $400 to $1,500 a month before you’ve paid a dollar of principal.
Generic affordability calculators miss this. They use national averages, hand you a price you can’t actually carry, and you find out at closing.
This calculator includes Florida insurance, HOA, and PMI thresholds in the math. Run your numbers, then call us — we underwrite Florida deals every day.
The amount most generic affordability calculators overshoot Florida buyers because they underprice insurance and ignore HOA dues.
28/36 rule · Custom DTI · Florida insurance · HOA · PMI thresholds · 15- vs 30-year math
Different programs allow different DTI ratios and down payments. The right loan can raise your max home price by tens of thousands.
| Loan Type | Min Down | Max Back-End DTI | Best For |
|---|---|---|---|
| Conventional | 3% | 43–45% | Steady W-2 income, 620+ credit |
| FHA | 3.5% | 50–57% | First-time buyers, 580+ credit |
| VA | 0% | Flexible* | Active-duty military & veterans |
| USDA | 0% | 41–46% | Eligible rural Florida areas |
| Jumbo | 10–20% | 38–43% | Loans above the conforming limit |
| Bank Statement | 10–20% | Up to 55% | Self-employed without W-2s |
| Doctor Loan | 0–10% | Up to 50% | Physicians, dentists, residents |
| Foreign National | 25–30% | Asset-based* | Non-U.S. citizens buying in Florida |
*VA and Foreign National loans use residual income or asset-based qualification, not strict DTI caps.
Which Loan Is Right For Me?Honest answers about how lenders decide how much house you can buy — and how to stretch it further.
Alex Doce will walk you through your numbers and tell you exactly what you qualify for. No credit pull until you say so.
Talk to a Florida Mortgage ProA 10-minute call gives you a pre-approval letter and the exact home price you qualify for at today’s rates. No obligation. No credit pull until you say so.