Find out your max loan amount in 30 seconds. Uses DTI (debt-to-income), LTV, and stress test. Works for mortgages, car loans, and personal loans. Free 2026 calculator.
Use the 28/36 rule: housing (PITI) should not exceed 28% of gross monthly income, total debt should not exceed 36%. On $80K income, max housing payment is $1,867/mo, max total debt $2,400/mo. With $300/mo other debts, max mortgage PITI is $2,100/mo. At 6.5% interest over 30 years, that's ~$370K loan amount.