Qualifying · Income & DTI
Mortgage Income Calculator
Enter your monthly income sources to see your total qualifying income and the maximum total debt payment each loan type allows.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
Monthly Qualifying Income
Current gross base salary, or average hourly × standard hours.
24-month average, if received for two consecutive years.
2-year average if increasing; last year if trending down.
Gross monthly benefit if a 3-year continuance is expected.
Rental income minus PITIA on the properties.
Only if received ≥3 months and expected ≥3 years.
Summary
Max Total Monthly Debt Payment
Estimates only — not a commitment to lend.
By Jim Blackburn
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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.