Use the calculator below for your exact numbers, or jump to a salary-specific guide. As a rule of thumb, lenders cap housing at 28% of gross income and total debt at 43%.
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Sources: CFPB — debt-to-income ratio.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.