Mortgage DTI Calculator: How Much House Can I Qualify For

How to do it

1. 1
   Step 1: Open Mortgage DTI Calculator: How Much House Can I Qualify For and add your input

   Type your numbers or text, add your file, or pick the options you need. Nothing is uploaded: everything stays in your browser.

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   Step 2: What Mortgage DTI Calculator: How Much House Can I Qualify For does

   Find the most you can borrow for a home from your income and debts under common DTI limits.

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   Step 3: Read the result and compare

   The result appears at once. Change one value to see how the answer moves, then keep the figure that fits your case.

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   Step 4: Copy or save it

   Copy the result or download it. For an important decision, confirm it with the official source or an adviser.

About this tool

Enter your gross monthly income, your monthly debt payments, the mortgage rate and term, and your monthly property tax, insurance and HOA costs. The tool applies the debt-to-income limits for your loan type and shows the highest housing payment and loan amount you can qualify for.

Two ratios

The front-end ratio compares your housing payment (principal, interest, tax, insurance and HOA) with your income. The back-end ratio adds your other monthly debts. Lenders apply both.

Limits used

Conventional guideline 28% and 36%; conventional with strong credit or reserves up to 36% and 45%; FHA 31% and 43%; VA only the 41% back-end ratio (VA also checks residual income); USDA 29% and 41%. Approvals with automated underwriting can go higher.

How the loan amount is found

The highest housing payment is the smaller of the front-end limit and the back-end limit minus your debts. Taxes, insurance and HOA are subtracted to get the principal and interest payment, which is converted to a loan size at your rate and term. Down payment, credit score and cash reserves also matter.

Worked example

Income $9,000 a month and $800 of other debts, conventional 28/36: the front-end limit gives $2,520 and the back-end limit $2,440, so the highest housing payment is $2,440. After $650 of tax and insurance the principal and interest is $1,790, which supports a loan of about $283,197 at 6.5% for 30 years.

Tips for best results

Check every box before you rely on a result, because one wrong digit changes the whole answer. Use the exact figures from your payslip, bill, certificate or contract, and keep a note of the date you calculated. Rates, thresholds and rules change from time to time, so for tax, fees and legal matters treat the output as an estimate and confirm with the official source named on this page. You can run as many scenarios as you like; nothing is saved or sent, and refreshing the page clears the boxes.