A loan affordability calculator determines the maximum loan amount you qualify for, given your income, existing debts, and the lender's debt-to-income (DTI) limits. Banks typically require total monthly debt payments to be below 36–43% of gross monthly income.
💡
Pro Tip
Pay down high-balance revolving debt before applying for a mortgage. Each $1,000 reduction in monthly debt payments adds roughly $10,000–$15,000 to your maximum loan amount.
⭐
Did You Know?
FHA loans allow a back-end DTI up to 57% in some cases. Conventional loans capped at 43–45%. VA loans have no strict DTI limit — they focus on residual income (what's left after all bills).
References
🔒
ฟรี 100%
ไม่ต้องสมัครสมาชิก
✓
แม่นยำ
สูตรที่ยืนยันแล้ว
⚡
ทันที
ผลลัพธ์ขณะพิมพ์
📱
รองรับมือถือ
ทุกอุปกรณ์