DTI & Pre-Qualification Estimator

Understand your debt-to-income ratio and discover what home prices you can realistically afford in Orange County.

Your Income

$10,000
📋 Include all income sources: salary, bonuses, commission, rental income, etc.

Your Monthly Debts

$0
📋 Include minimum monthly payments only. Don't include utilities, subscriptions, or groceries.

Loan Details

OC average: ~1.1%

Your DTI Ratios

Front-End DTI (Housing Only) 0%
Excellent
0-28%
Acceptable
28-36%
Caution
36-43%
Unlikely
43%+
Back-End DTI (All Debts) 0%
Excellent
0-36%
Acceptable
36-43%
Caution
43-50%
Red Flag
50%+
📋 Most conventional loans require back-end DTI under 43-45%. FHA allows up to 50% in some cases. VA loans have no strict DTI cap.

Your Qualification Estimates

Maximum Home Price
$0
Max Monthly Income $0
Divided by Back-End Ratio (43%) 43%
Max Total Debt Payment $0
Minus Existing Debts $0
Max Housing Payment $0
Maximum Loan Amount $0
(Home Price − Down Payment)

What You Can Afford in Orange County

Based on your maximum price, here's where you could potentially afford in OC:

Loan Program Eligibility

Based on your DTI and loan amount:

Ready to Get Serious?

These are estimates. Let's get you an actual pre-approval with a loan expert.

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This calculator provides estimates only and is not a commitment to lend. Actual qualification depends on credit score, employment history, assets, down payment sources, and other factors. Results may vary based on lender requirements.