Buyer readiness check
What can your income support?
Test a target home price against your income, debts, down payment, credit range, and loan program.
Your scenario
01 / INPUTSStart with your numbers
Your result will show estimated PITI, both DTI ratios, the 2026 loan-limit check, an FHA guideline screen when selected, and practical next steps.
Pre-qualification signal
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Estimated monthly PITI—
Front-end DTI—
Back-end DTI—
Down payment—
FHA guideline qualification
Initial screen · lender verification requiredCredit floor—
Minimum down payment—
31% / 43% DTI benchmark—
Selected-area loan limit—
Monthly housing estimate
- Principal + interest—
- Property taxes—
- Home insurance—
- Mortgage insurance—
- HOA fee—
- Total PITI + HOA—
Loan amount and limit
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What shaped this result
Next steps
Talk through this estimate
Send your contact details and this qualification summary to the site owner for a free consultation.
Important: This estimate is for planning only. It is not a loan commitment, approval, rate quote, or underwriting decision. Actual terms depend on verified income, assets, debts, credit, property, occupancy, entitlement, taxes, insurance, lender rules, and county limits. Consult a licensed mortgage lender. This is a real-estate planning tool, not a lender.