What Lenders Actually Check (DTI Calculation)

Lenders calculate your Debt-to-Income ratio (DTI) by dividing total monthly debt payments by gross monthly income:

Why the 28/36 Rule Matters

Buying a home is often the largest financial decision of your life. The 28/36 rule exists because households that exceed it are statistically much more likely to experience financial stress, delinquency, and foreclosure — especially during income disruptions (job loss, medical emergency).

How Much House Can I Afford? The 28/36 Rule Explained

Learn how lenders calculate how much house you can afford using the 28/36 DTI rule, and discover the maximum safe home price based on your income, debt, and down payment.