Tools

Debt-to-income calculator

Gross income, proposed housing, and the debts that actually count. Toggle the conventional 0.5% student-loan recast — that is the number that surprises first-time buyers on $0 IDR. Read the DTI guide first if the ratio is new.

Gross annual income Other monthly gross (side gig, alimony received) Proposed housing PITI + HOA + MI / month

Auto loans / month Credit-card minimums / month Student-loan balance How should student loans count? Documented student payment / month Other debts / month (support, 401(k) loan, personal)

Your file

Program	Front limit	Back limit	This file

Educational estimate. Overlays, credit score, and reserves can stretch or shrink these ceilings. Not a pre-approval. 90-day sequence: PayPal playbook.