How much home can you afford?
Conservative · DTI 36%——
Upper limit · DTI 45%——
Illustration only. Not a quote or a commitment to lend.
Why are there two prices?
The lower one keeps your total monthly debt around 36% of your income (your DTI), which leaves more breathing room. The higher one is close to the limit many programs still accept.
Should I enter income before or after taxes?
Before taxes. If you’re self-employed, enter your average monthly deposits.