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Mortgage Qualification by DTI Calculator

Maximum house payment from gross income and target DTI.

Compute the maximum monthly housing payment a lender will allow from your monthly gross income, a target front-end DTI ratio, and your existing monthly debt payments. Reports the implied loan size at a chosen APR and term.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

$
%
$
%
yr

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Max payment = gross · dti_pct/100 − existing_debt. Loan = payment · (1 − (1 + r)^−n) / r, r = APR/1200.

In depth

Compute the maximum monthly housing payment a lender will allow from your monthly gross income, a target front-end DTI ratio, and your existing monthly debt payments. Reports the implied loan size at a chosen APR and term.