How is max mortgage calculated?

Max monthly payment = Income × (DTI%/100). Then mortgage amount = PV of that payment stream: Pmt × [(1+r)^n − 1] / [r(1+r)^n].

What DTI do lenders use?

Many use 28% for housing-only or 36% for housing + other debt. Enter the ratio your lender uses or your target.

Estimate maximum mortgage amount from income, debt-to-income ratio (DTI), interest rate, and term.

Annual income ($)

DTI % (housing)

Annual rate (%)

Term (years)

How is max mortgage calculated?: Max monthly payment = Income × (DTI%/100). Then mortgage amount = PV of that payment stream: Pmt × [(1+r)^n − 1] / [r(1+r)^n].
What DTI do lenders use?: Many use 28% for housing-only or 36% for housing + other debt. Enter the ratio your lender uses or your target.

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