How much will a bank lend me?
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Your income
Lenders qualify you on gross (pre-tax) income. Co-borrower income is fully counted.
Monthly debt payments
Total monthly debt
$0
Use minimum required payments. Lenders count all obligations on your credit report.
Loan assumptions
Monthly costs reduce the payment available for principal & interest. Estimate $300–$800/mo for a typical home.
Max loan amount
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at 36% DTI
Max home price
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loan + down payment
Max monthly payment
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P&I + costs
Your DTI breakdown
What banks will lend at different DTI limits
Conventional loans typically cap at 43–45% DTI. FHA goes to 43–50%. VA and USDA can go higher with strong compensating factors. Your credit score affects the rate and which programs you qualify for.
How this is calculated