Jordan Vreeland
Licensed Mortgage Broker · NMLS #795404
Lenders use your debt-to-income ratio to set your limit, not what feels comfortable. Here's how to run the math before you start shopping.
Most lenders cap back-end DTI at 43%. FHA can go higher with strong compensating factors. Conventional is often stricter. This is an estimate: your actual limit depends on your full credit profile.
This calculator provides estimates for informational purposes only. Results are not a commitment to lend. Contact a licensed mortgage professional for accurate figures. Loan products and rates subject to change.
Want to understand the full picture? See our guides on the home buying process, how mortgage approval works, and mortgage basics.
A pre-approval gives you a real limit, not a calculator estimate.