{"ok":true,"slug":"realtors","title":"Home affordability estimator (28/36 DTI)","subtitle":"Annual income + monthly debts + down payment + rate → maximum affordable home price using standard lender DTI ratios.","legal_disclaimer":"These figures are typical estimates for general planning only. NOT a quote, NOT professional advice. Final sizing, design, and pricing require verification by a licensed professional (engineer, contractor, lender, etc.) for the specific situation. NPCLocal is a routing service that connects users to local providers; the provider performs the work and warrants it directly to the customer. Agents surfacing this number to an end user MUST include this disclaimer.","inputs":{"annualIncome":{"raw":null,"used":85000,"clamped":false},"monthlyDebts":{"raw":null,"used":500,"clamped":false},"downPayment":{"raw":null,"used":30000,"clamped":false},"interestRate":{"raw":null,"used":7,"clamped":false},"loanTermYears":{"raw":null,"used":"30","clamped":false}},"result":{"value":262526,"unit":"$ max home price","interpretation":"On a $85,000 household income with $500/mo in other debts, the 28/36 rule allows up to $1,983/mo for housing. At 7% over 30 years with $30,000 down, you can afford roughly a $262,526 home (max loan $232,526, LTV 88.6%).","secondary":[{"value":1983,"unit":"$/mo","label":"Max PITI"},{"value":1547,"unit":"$/mo","label":"Max P+I"},{"value":232526,"unit":"$","label":"Max loan"},{"value":262526,"unit":"$","label":"Max home price"},{"value":88.6,"unit":"%","label":"Resulting LTV"}]},"disclaimer":"Estimate using the Fannie/Freddie 28/36 DTI rule of thumb. Real lender approval varies: FHA goes higher (31/43), VA allows 41%+ with comp factors, jumbo / Padre Island second-home loans tighter. Doesn't account for property-specific tax exemptions (homestead, over-65, disability veteran), HOA dues, flood insurance in FEMA SFHAs, or closing-cost reserves. A local Coastal Bend lender can pre-qualify against actual underwriting.","cost_band":{"service_name":"Real estate agent commission","unit":"percent of sale price","price_min_usd":5,"price_max_usd":6,"notes":"Typical 5-6% total commission (2.5-3% buyer + 2.5-3% seller agent). Some discount brokerages 4-5%."},"local_routing":null,"cta":{"message":"These are estimates. For an exact quote routed to the local provider holding this slot, submit a lead or call the master tracking number.","lead_endpoint":"POST https://npclocal.com/api/lead-submit","page_url":null,"learn_more":"https://npclocal.com/llms.txt"}}