Home Affordability Calculator

Generic mortgage calculators only know your salary. If your pay is base plus bonus plus vesting RSUs, the answer is different — and lenders treat equity income carefully. See your real max price, the full monthly payment breakdown, and exactly which debt-to-income rule is holding you back.

Base salary

Your fixed annual cash compensation.Annual bonus (target)

Cash bonus a lender will typically average in if it's consistent.Annual vesting RSU income

Value of RSUs vesting per year. Lenders vary on how much equity comp they count — be conservative.Other monthly debt payments

Car, student loans, minimum card payments — counts against your back-end ratio.Down payment

Cash you'll put down. A larger down payment raises the price you can reach.Mortgage interest rate

The APR on the loan you'd qualify for.Property tax rate

Annual property tax as a % of home value (varies widely by county).Annual homeowners insurance

Estimated yearly premium.Monthly HOA dues

0 if there's no HOA.Front-end DTI cap

Max share of income for housing alone. Conventional guideline is ~28%.Back-end DTI cap

Max share of income for ALL debt incl. housing. Often ~36–43%.

You could afford about$1,372,161≈ $8,867/mo all-in · 85.4% loan-to-value

Qualifying income (base + bonus + RSUs)$380,000

Max loan you can finance$1,172,161

Monthly principal & interest$7,409

Monthly tax + insurance + HOA$1,458

Total monthly payment$8,867

Housing budget (binding DTI rule)$8,867

Housing ratio is the limit. The front-end DTI cap of 28% binds first. How much of your RSU income a lender actually counts can swing this number a lot — confirm with a loan officer.

See this against your real plan in Velira

Velira keeps your full picture current — equity-comp income, liquidity, and what a home purchase does to your survival math.

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Estimate for education only, not financial, tax, or mortgage advice. It uses the standard front-end / back-end DTI rules and the assumptions you enter. Lenders differ — especially on how much bonus and vesting RSU income they will count, and many require a multi-year history of it. Closing costs, PMI, and reserves are not modeled. Velira does not originate loans or move money. Confirm everything with a licensed loan officer.

Home Affordability Calculator

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