Borrowing Capacity โ How Much Can You Borrow?
Estimate your maximum loan amount based on income, existing debt, and lender DTI limits.
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Lenders use gross income, not net DTI under 36% preferred for best rates Pay down debt to increase capacity Better credit = lower rate = higher capacity
Ready to run the numbers?
Why: Knowing your borrowing capacity helps you shop within your means and avoid overextending.
How: Enter gross income, debt payments, rate, term, and max DTI. Results show max loan amount and payment capacity.
Run the calculator when you are ready.
Sample Scenarios
Your Information
DTI Breakdown
Capacity by Loan Term
Monthly Income Allocation
Payment Capacity by DTI
Calculation Breakdown
Income Analysis
Current Debt
DTI Calculation
Borrowing Capacity
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For educational purposes only โ not financial advice. Consult a qualified advisor before making decisions.
๐ก Money Facts
Most conventional lenders prefer DTI under 36%.
โ Lending Standards
Qualified mortgages cap back-end DTI at 43%.
โ CFPB
Paying $100 off debt can increase capacity by ~$25K at 7%.
โ Amortization
Gross income is used for DTI calculations.
โ Underwriting
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