Qualifying · Debt-to-Income
Debt Ratio Calculator
Enter your monthly income and obligations to instantly see your debt-to-income percentage — plus a rough estimate of the housing payment and loan amount you may have room for.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
Income & Obligations
Car, installment loans, student loans, credit cards, and housing payment.
Gross income, including rents collected and reported on tax returns.
New Housing Estimate
Estimate, used only for the PMI figure.
Summary
Debt-to-Income
Monthly Amount Remaining for New Housing Expense
Estimates only — not a commitment to lend.
By Jim Blackburn
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Schedule a CallImportant Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.