Find out how much house you can afford based on your income, debts, down payment, and the lender's DTI requirements.
Your Financial Profile
Enter your income and debt details
💵 Income
$
$
💳 Monthly Debts
$
$
$
$
🏦 Mortgage Details
$
%
$
$
% (lender limit)
FHA allows 43-50%, conventional 36-45%
Max Home Price
$—
Based on DTI limit
Monthly Payment
$—
Max Loan Amount
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Required Income
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Your DTI
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Front-End Ratio
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Annual Income (Combined)
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Monthly Gross Income
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Existing Monthly Debts
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Max PITI Payment
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Mortgage P&I
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Property Tax + Insurance
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Max Loan Amount
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Down Payment
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Max Home Price
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FAQ
What is DTI ratio?
Debt-to-Income ratio = (total monthly debt payments ÷ gross monthly income) × 100. Lenders use this to assess ability to repay. Most conventional loans require DTI ≤ 43%; FHA loans allow up to 50%.
What is the front-end ratio?
Front-end ratio is just the housing costs (PITI) ÷ gross monthly income. Most lenders prefer this below 28-31%.
What is the 28/36 rule?
Housing expenses should not exceed 28% of gross income, and total debt payments should not exceed 36%. This conservative guideline was standard before higher DTI limits became common.
How much should my down payment be?
20% down avoids PMI (private mortgage insurance). With 3-5% down via FHA or conventional loans, you pay PMI. A larger down payment means a lower loan amount and better interest rates.