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Total household income before tax.
Lenders often use two DTI ratios: front-end (housing only ÷ income) and back-end (housing + other debt ÷ income). Many prefer front-end ≤ 28% and back-end ≤ 36%.
Your results here are for reference only. Lenders may use different limits or “compensating factors.” Use the affordability calculator to see a price range based on these guidelines.
Disclaimer: This calculator is for estimation and educational purposes only. Results are not financial, tax, or legal advice. Rates, terms, and eligibility depend on your situation and lender. HubQuery does not guarantee accuracy of estimates and is not responsible for decisions made based on this tool. Consult a qualified professional for your circumstances.