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.
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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.
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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).
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