Check loan eligibility from income, debts, credit score and down payment — see max loan, DTI and approval chance.
Check loan eligibility from income, debts, credit score and down payment — see max loan, DTI and approval chance.
Enter values above and click Calculate — results will appear here with the formula explained.
Eligibility uses DTI 36% and 4.5× income rule, adjusted for credit: 750+ gets full, 700 90%, 650 80%.
This is estimate, lender uses full underwriting.
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Eligibility uses DTI 36% and 4.5× income rule, adjusted for credit: 750+ gets full, 700 90%, 650 80%. Formula: Max loan via 28/36 and 4.5x income rule, adjusted for credit
Loan Eligibility Calculator computes check loan eligibility from income, debts, credit score and down payment — see max loan, dti and approval chance. Formula: Max loan via 28/36 and 4. Example: With $5k income, $800 debts, 720 score, 20% down: max ~$225k loan, DTI 36% passes.
Check loan eligibility from income, debts, credit score and down payment — see max loan, DTI and approval chance. Formula: Max loan via 28/36 and 4.5x income rule, adjusted for credit
| Field | What to enter |
|---|---|
| Monthly income ($) | e.g. 5000 |
| Monthly debts ($) | e.g. 800 |
| Credit score | e.g. 720 |
| Down payment % (%) | e.g. 20 |
All fields use the exact formulas shown below — results include step-by-step breakdowns you can verify by hand.
Eligibility uses DTI 36% and 4.5× income rule, adjusted for credit: 750+ gets full, 700 90%, 650 80%.
This is estimate, lender uses full underwriting.
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With $5k income, $800 debts, 720 score, 20% down: max ~$225k loan, DTI 36% passes.
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