Enter your income and monthly debts to see your estimated loan qualification amount.
Mortgage Qualification Estimator
Adjust the DTI slider to match your loan type and lender guidelines
Loan Type
Maximum DTI Ratio 38%
28% Conservative36% Standard43% Conventional Max50% FHA57% FHA Max
Your Gross Income
$
$
For self-employed: enter your qualifying income (bank statement average or 1099 income). For DSCR: enter expected monthly rent in the Monthly field.
Monthly Debt Payments
Include all recurring monthly obligations: car loans, student loans, credit cards (minimum payment), personal loans. Do NOT include rent, utilities, phone, insurance, or groceries.
Property Estimates
$
$
Estimated Maximum Loan Amount
$0
Based on 38% DTI • Conventional
Max Monthly Payment (PITI)
$0
Principal, interest, tax & insurance
Available for Housing
$0
After existing debts subtracted
Your Total Debts/Mo
$0
All debts entered above
Back-End DTI
0%
Housing + all debts
Your DTI Ratio0%
0%28% Ideal38% Max45%+
Purchase Price Estimates
With 3.5% down (FHA)$0
With 5% down (Conventional)$0
With 10% down$0
With 20% down (no PMI)$0
How this is calculated
38% back-end DTI is used as the maximum. This means total monthly debts (including the new mortgage payment) cannot exceed 38% of gross monthly income. Some programs allow up to 43–57% DTI with compensating factors. This is an estimate — actual qualification depends on credit score, down payment, loan type, and lender guidelines. Call us for a personalized pre-qualification.
FHA allows DTI up to 57% with strong compensating factors. VA has no set maximum DTI but most lenders prefer under 41%. DSCR loans use rental income only — personal DTI doesn't apply.
Tips to Qualify for More
Pay down revolving debt (credit cards) to reduce your monthly minimum payments and improve DTI
A co-borrower adds their income to increase the qualifying amount
Self-employed? Bank statement loans use actual deposits, not taxable income
Pay off a car loan or student loan before applying to dramatically reduce your DTI
A larger down payment reduces the loan amount needed and may eliminate PMI
Get a Real Number
This calculator gives you a solid estimate. For an actual pre-qualification letter based on your real credit and income, apply now — no SSN required.