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Tools
Estimate how much home you can afford based on your income, existing debts, and down payment.
Front-end DTI compares housing costs to income. Back-end DTI includes all monthly debt obligations. These ratios are used during underwriting — staying below the limits gives more flexibility.
This calculator provides educational estimates only and assumes standard lender DTI thresholds. Actual qualification depends on credit score, loan type, reserves, and full underwriting review. Not a commitment to lend or guarantee of qualification.
See what you actually qualify for.
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