Tools
Mortgage Calculator.
Honest math, instantly.
A real estimate of your full monthly payment — principal, interest, taxes, insurance, and mortgage insurance. No surprises.
$20,000 down
Annual rate × home price ÷ 12
Estimates only. Actual rate, MI, taxes, and insurance depend on credit, property, county, and program guidelines. Conventional MI auto-removes once LTV reaches 80%. VA has no monthly MI (funding fee may apply at closing). FHA carries MIP for the life of most loans.
Estimated monthly payment
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Enter an interest rate to see your payment.
Qualifying
What's my debt-to-income ratio?
Enter your total monthly debt payments (car loans, credit card minimums, student loans, personal loans) and your gross monthly income. We'll add the estimated mortgage payment above to calculate your ratios.
Your ratios
Front-end (housing only)
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Back-end (all debts)
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Enter an interest rate above and your gross monthly income to see your ratios.
Conventional: typically under 50% back-end and 47% front-end.
FHA & VA: typically under 55% back-end and 47% front-end.
This debt-to-income estimate may not be 100% accurate. Underwriters calculate income and debts using program-specific guidelines, and qualifying ratios vary by loan program, credit profile, reserves, and automated underwriting findings. Please check with your loan officer for an accurate assessment.
Important Disclosure
The figures produced by this calculator are estimates for informational and educational purposes only and do not constitute an offer, commitment, pre-approval, or guarantee of credit by Dwelling Place Mortgage LLC. Actual interest rates, monthly payments, mortgage insurance, property taxes, homeowners insurance, HOA dues, closing costs, and loan eligibility are determined by the lender at the time of application and depend on your credit profile, debt-to-income ratio, property type, occupancy, loan program guidelines, county, and other underwriting factors. Rates and program parameters change daily and without notice. Dwelling Place Mortgage LLC, its loan officers, and affiliates are not liable for any decisions made or actions taken in reliance on the output of this calculator. For a personalized, binding quote, please contact a licensed loan officer and complete a full application. NMLS #2831640. Equal Housing Lender.