AI Home Affordability & DTI Underwriting

Assess your purchasing power based on Fannie Mae / Freddie Mac Qualified Mortgage (QM) rules, Front-End DTI, and Back-End DTI.

Income & Debt Profile

Gross Annual Income

Monthly Non-Housing Debts

Car loans, student loans, minimum credit card payments, personal loans.

Down Payment Available

Estimated Mortgage Rate

Loan Term

Underwriting Results Comfortable Risk Tier (Score: 100/100)

Max Home Price (28% Rule)

$425360

Max Home Price (36% Rule)

$462363

Max Monthly Payment $2800/mo

Max Loan Amount (28%) $345360

Gross Monthly Income $10000/mo

Front-End DTI 28.0%

Max recommended housing payment (PITI + HOA) as a percentage of gross income. Standard guideline is 28%.

Back-End DTI 33.0%

Housing payment plus existing debts as a percentage of gross income. Standard guideline is 36% (QM ceiling 43%).

Fannie Mae / Freddie Mac QM Guidelines

Your housing costs are well within standard lender underwriting limits (28/36 rule).
You have comfortable room for savings, emergencies, and retirement contributions.