Borrowing Power
Loan Eligibility Calculator
Estimate how much you can borrow based on your income, existing debts, and lender debt-to-income (DTI) requirements.
Car, student loans, credit cards (min payment)
Most lenders allow 43–50%
Results
Fill in the fields and click Calculate.
For educational purposes only. Actual loan eligibility depends on credit score, employment history, assets, and lender policies.
What DTI ratio do lenders require? +
Most conventional lenders prefer a back-end DTI (all debts) below 36–43%. FHA loans allow up to 57% in some cases. For mortgages, the “front-end” ratio (just housing costs) should ideally be below 28%. VA and USDA loans are more flexible. A lower DTI means better rates and more loan options.