Lenders look at two ratios: how much of your income the house payment takes (front-end), and how much of your income ALL of your debts take (back-end). This calculator shows you all three limits side by side — 28% front-end, 36% front-end, and the 43% back-end cap — so you can see what you can actually afford, not just what a lender might approve.
Estimates only — a lender’s final number depends on your full file (credit, reserves, the exact property). Want your exact numbers? Start your pre-approval, or call me at (714) 705-4013.