Affordability

What fits the DTI

Income, debts, and a target debt-to-income ratio. Planning targets, not underwriting.

Gross annual income$10,000/mo

Monthly debtsCars, student loans, cards — not the new housing payment

Target back-end DTIHousing + debts ÷ income

Custom DTI

Quoted rate

Term

Down payment

Property tax

Insurance / year

HOA / month

Max home price

$502,200

Max housing payment $3,150.00/mo

Max loan

$401,760

Down payment

$100,440

PITI

$3,149.75

P&I

$2,539.40

Back-end DTI

36.0%

Housing DTI

31.5%

28 / 36 / 43 / 50 are common planning checkpoints, not a promise of approval. Lenders set their own overlays.