Home Buyer Tools
See exactly what you can afford.
Enter income, debts, and down payment. Get max purchase price, monthly PITI, and DTI breakdown by loan program — instantly.
FHA from 3.5% Down
Non-QM to 50% DTI
Self-Employed OK
Instant Results
Your Financial Profile
Income, debts, and program selection
Gross Monthly Income
$
Monthly Debt Payments car, student loans, CC minimums
$
Down Payment Available
$
Interest Rate
%
Tax + Insurance / Mo
$
HOA / Mo
$
Loan Program
Max Purchase Price
--
--
CALCULATING
Max Loan
--
Monthly PITI
--
Back DTI
--
DTI Usage
Front-End DTI (housing only)--
Back-End DTI (all debts)--
What Moves Your Max Price
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Complex files are our specialty — self-employed, ITIN, and foreign national.
Common Questions
Frequently Asked
What is front vs back DTI?
Front-end DTI is your housing payment as a % of gross income. Back-end adds all monthly debts. Lenders use both — the lower result is the binding constraint.
What DTI gets me approved?
Conventional caps around 36-45% back. FHA up to 43-50%. VA focuses on residual income. Non-QM can go to 50-55% with compensating factors.
I'm self-employed — will my income count?
Yes. Bank statement programs use 12-24 months of deposits rather than taxable income. This often results in a higher qualifying figure for business owners.
Does this include PMI?
No. If your down payment is under 20% on a conventional loan, add estimated PMI to your tax+insurance input for a more accurate PITI.
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