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Lenders use two DTI rules to assess affordability. The front-end ratio limits your housing payment to 28% of gross monthly income. The back-end ratio limits all debt payments (housing + existing debts) to 36% of gross monthly income. Your maximum affordable home price is determined by whichever limit is more restrictive, added to your down payment.
Review the inputs carefully and treat the output as an estimate. For decisions involving money, taxes, health, law, or security, compare the result with trusted professional guidance when needed.
What is the 28/36 rule?
The 28/36 rule states that your housing costs should not exceed 28% of your gross monthly income, and all debts combined should not exceed 36%. These are guidelines — some lenders allow higher ratios with compensating factors.
Does this include property taxes and insurance?
This calculator estimates principal and interest only. Property taxes, insurance, and HOA fees will reduce your effective affordability, so budget for those separately.
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Calculate your front-end and back-end DTI ratios to see if you qualify for a mortgage.
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Calculate exactly how much down payment you need and your resulting loan amount.
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