Estimate how much home you can afford in New Jersey from income, debts and savings.
Uses a 36% back-end debt-to-income limit (housing payment + other debts) in New Jersey to back into the loan you can carry, then adds your down payment to get a target home price.
Price
Price = affordable loan + down payment
Estimate — lenders also review credit, assets and reserves.
Some programs allow 43–50% DTI; a bigger down payment and lower rate both increase the affordable price.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.