Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
TPO Kit
DTI and maximum loan calculator for loan officers.
Maximum payment, loan amount and purchase price at the ratios entered, with taxes, insurance, HOA dues and mortgage insurance, checked against the county limit and how it has grown since 2022.
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
APR counts every closing cost and point as a finance charge unless the lender's fees and points are entered separately.
Estimates from the inputs shown. Not a Loan Estimate or an offer to lend.
Inputs stay in this browser. Usage counts record the tool used and a few rounded figures, such as loan purpose, state and loan-amount band. No names, addresses or exact amounts.
Questions
How is the maximum found?
The largest housing payment is the smaller of income × front-end ratio, and income × back-end ratio minus other debts. Everything in the payment grows with the loan except insurance and HOA dues, so the loan is solved for directly, and the price is the loan divided by the share financed.
How is the APR worked out?
Every closing cost and point you enter counts as a finance charge. Mortgage insurance counts until the balance reaches 78% of the price, or for the full term on FHA and USDA. Copy Share Link and Print or Save PDF stay off until the closing costs are entered.
What does it leave out?
Upfront FHA mortgage insurance, the VA funding fee and the USDA guarantee fee when they're financed: add them to the loan yourself. VA residual income, which can matter more than the ratio. FHA county limits: the limit check and the history cover conforming and high-balance loans. Reserves, credit and property eligibility.
These are estimates from the inputs shown, not a Loan Estimate or an offer to lend.