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What percentage of my income should go toward a mortgage? The 28/36 rule is an easy mortgage affordability rule of thumb. According to the rule, you should. To calculate "how much house can I afford," one rule of thumb is the 28/36 rule, which states that you shouldn't spend more than 28% of your gross monthly. Feel confident about buying a house that you can afford. This calculator will show you how much home you can afford and at different down payment amounts. PNC's free mortgage affordability calculator allows you to estimate how much house you can afford based on income or payment and other debts or expenses. How Much Can I Afford Calculator · Mortgage Information: · Down Payment and Closing Costs: · Total Monthly Debt Payments: · $2, Monthly Payment Breakdown.

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