โ MOST important calc. Reverses: "what house CAN we buy?" โ "what house SHOULD we buy?"
Start with real affordability, work backwards to home price.
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This is the anti-lender-affordability number. Lenders will say you can afford more โ this calc shows what you SHOULD spend.
Cross-check vs your $535k modeling primary โ if calc says max is lower, $535k is over-budget for sustainable comfort.
Use the stress-tested low ($maxHP ร 0.9) as your actual offer ceiling.
Vary inputs to see how household contribution + utility assumptions move the max price.