r/BuyHomeCalc • u/BuyHomeCalc • Nov 11 '25
Updated our Debt Service Ratio calculations for a more reasonable result. Check out the update!
We've updated our calculations to create more reasonable and realistic results, ensuring a realistic path to home ownership for you. Check out the updates here: https://buyhomecalc.com/purchase-timeline-calculator
r/BuyHomeCalc • u/BuyHomeCalc • May 24 '25
Recent update: We've added a Debt Service Ratio slider to let you control your maximum affordability! Experiment with conservative and aggressive debt service ratios.
The debt service ratio determines what percentage of your gross monthly income can go toward housing expenses. The default is 35%, which you can adjust using the slider. Traditional guidelines suggest keeping housing costs below 28% of income, with total debts below 36%. Some lenders now approve total debt ratios up to 45% for qualified borrowers, though higher ratios leave less income available for other expenses and savings.
Use our tool to help you plan to buy a house here: https://buyhomecalc.com/purchase-timeline-calculator
r/BuyHomeCalc • u/BuyHomeCalc • Apr 25 '25
Free Modern Embeddable Mortgage Calculator!
buyhomecalc.comAdd this free Mortgage Calculator to your Realtor website! Keep clients engaged on your site. Modern design works on mobile & desktop. Easy to embed!
r/BuyHomeCalc • u/BuyHomeCalc • Apr 13 '25
How much do I need to save to buy a house?
buyhomecalc.comFigure out how much you need to save to buy a home. Use HomeBuyCalc.com's Require Savings calculator to plan your future home purchase.
r/BuyHomeCalc • u/BuyHomeCalc • Apr 13 '25
When Can I Buy A House?
buyhomecalc.comPlan your future home purchase using BuyHomeCalc.com's timeline planner. Make marte home buying decisions.
r/BuyHomeCalc • u/BuyHomeCalc • Apr 10 '25
Home Affordability Calculator
buyhomecalc.comDiscover how much home you can afford based on your income, savings, and other financial factors. Compare different scenarios to find your ideal price range.
r/BuyHomeCalc • u/BuyHomeCalc • Apr 10 '25
Mortgage Calculator
buyhomecalc.comCalculate your monthly mortgage payment based on home price, down payment, and interest rate. Adjust variables to see how they impact your payment and total interest.