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Lenders use two DTI ratios: front-end (PITI ≤ 28% of gross income) and back-end (all debt ≤ 36–43%). PITI = principal + interest + taxes + insurance. Enter income, monthly debts, down payment, and estimated property tax and insurance rates. Pre-qualification is an estimate; actual approval depends on credit score, employment history, and lender-specific overlays.
Uses common 28% housing and 36% total debtrules on gross income. Budget applies to principal & interest after estimated monthly taxes/insurance (escrow).
Not a pre-approval. Lenders use different rules, credit, PMI, and HOA.