Buyers
Mortgage Qualifier
How much home can you afford? Enter your financial details and get your maximum loan amount, purchase price, and estimated payment.
Your Financial Profile
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Your Buying Power
Max Loan Amount
$420,861
Max Purchase Price
$480,861
Est. Monthly Payment
$2,800
P&I only
Total DTI Ratio
33.0%
Qualifying range
Front-end DTI (housing only)28.0% / 28% max
Back-end DTI (all debts)33.0% / 43% max
Next Step
Get Pre-Approved
A pre-approval letter shows sellers you're serious — and locks in your rate.
DTI Guide
Below 36% — Excellent
Strong qualifying profile. You'll likely receive the best rates and loan programs available.
36%–43% — Acceptable
Most conventional loans allow up to 43% back-end DTI. FHA allows up to 50% with compensating factors.
Above 43% — Challenging
You may need to reduce debts, increase income, or consider a larger down payment to qualify.