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Use gross monthly income before taxes, and only income likely to continue. Lenders qualify you on your total debt-to-income ratio, not just the mortgage payment.

Dennis Hughes, MLO

(209) 602-4900

Dennis@lend4less.com

NMLS #178729

Income & debts

Gross Income (Monthly)Before taxes.

Max Debt-to-Income

Auto loans (Monthly)

Student loans (Monthly)

Credit cards (Monthly)

Alimony & child support (Monthly)

Rental property loans (Monthly)

Other payments (Monthly)

Loan assumptions

Down Payment

Interest Rate

Loan Term

Credit Score

Property Tax Rate (Yearly)

Homeowners Insurance (Yearly)

HOA Dues (Monthly)

Estimated Home Price

$463,581

With $46,358 down at 6.5% over 30 years.

Payment at that price

Total monthly payment$3,450.00

Principal & Interest$2,637.13

Taxes$482.90

Insurance$250.00

HOA Dues$0.00

PMI$79.97

Qualifying picture

Total monthly debts$600.00

Budget available for housing$3,450.00

Housing ratio (front-end)38.3%

Total ratio (back-end)45.0%

Loan amount$417,223

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Estimates only. Your credit score, property type, occupancy, loan purpose and down payment drive your actual rate and payment. A calculator will never be as accurate as a conversation with an experienced loan professional.