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One way to pay off your mortgage early is by adding an extra amount to your monthly payments. But how much more should you pay? NerdWallet's early mortgage payoff calculator figures it out for you. Fill in the blanks with information about your home loan, then enter how many more years you want to pay it.How much mortgage can I afford calculator US?
The rule of thumb is you can afford a mortgage where your monthly housing costs are no more than 32% of your gross household income, and where your total debt load (including housing costs) is no more than 40% of your gross houshold income. This rule is based on your debt service ratios.How much mortgage can I afford with my salary?
For example, if you make $3,000 a month ($36,000 a year), you can afford a mortgage with a monthly payment no higher than $1,080 ($3,000 x 0.36). Your total household expense should not exceed $1,290 a month ($3,000 x 0.43).