What DTI ratio should I use?

36% is a commonly cited comfortable maximum for total debt relative to gross income, though specific lenders and loan programs may allow higher or require lower — check your lender’s guideline.

Mortgage Affordability Calculator

Real Estate & Mortgage

Estimate the maximum home price you can afford based on income, debts, and down payment.

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Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.

Gross monthly income

Other monthly debt payments

Down payment available

Interest rate (%)

Term (years)

Max debt-to-income ratio for housing (%)

36% is a commonly cited comfortable maximum for total debt (including the new mortgage payment) relative to gross income — adjust to match your own lender's guideline.

Estimated maximum home price

Max monthly housing payment: $0

Max loan amount: $0

How this is calculated

Calculates your maximum monthly housing payment as (income × max DTI%) minus existing debts, then solves for the loan amount whose standard payment equals that figure, and adds your down payment to get the maximum home price.

Frequently asked questions

What DTI ratio should I use?: 36% is a commonly cited comfortable maximum for total debt relative to gross income, though specific lenders and loan programs may allow higher or require lower — check your lender’s guideline.

Mortgage Calculator

Calculate your mortgage payment and full amortization schedule.

Down Payment Calculator

Calculate your down payment amount and resulting loan size, with a PMI threshold note.

Debt-to-Income Ratio Calculator

Calculate your debt-to-income (DTI) ratio and see how it compares to common lender thresholds.