28/36 Rule · DTI Ratio · Income-Based Estimate
| Ratio | Maximum | What It Means |
|---|---|---|
| Front-End (28%) | 28% of gross income | Max monthly housing cost (PITI) |
| Back-End (36%) | 36% of gross income | Max total monthly debts (housing + all debts) |
FHA loans allow up to 31/43. VA loans focus on back-end only (41%).
| Annual Income | Max Home (20% down) | Max Payment |
|---|---|---|
| $50,000 | ~$200K | $1,167/mo |
| $75,000 | ~$310K | $1,750/mo |
| $100,000 | ~$420K | $2,333/mo |
| $150,000 | ~$640K | $3,500/mo |
| $200,000 | ~$860K | $4,667/mo |
At 6.5% rate, 30-year fixed, no other debts. Actual varies by location and debts.