🏠
PocketMLO
Your pocket mortgage loan officer. Know exactly what you can afford.
DTI Analysis
PITI Calculator
Scenarios
EN / ES
V. 1.001
Step 1 of 5
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What's your income?
We'll use this to calculate your DTI and maximum qualifying payment.
$
/ mo
$
/ mo
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Monthly debt payments?
Enter minimum monthly payments. Don't include rent — we're replacing it.
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Car Payment(s)
$
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Credit Cards (min pmt)
$
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Student Loans
$
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Other Debts
$
Back-End DTI
—
0%Ideal <36%Max ~43%60%
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Cash on hand?
Savings + checking + gift funds. This shapes your down payment options.
$
total
🌱
3.5% FHA
🪴
5% Conv.
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10% Conv.
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20% No MI
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Credit & loan profile
No hard pull — just a range to estimate your rate.
⚠️
580–619
🔵
620–659
🟢
660–719
⭐
720+
%
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Your Affordability Picture
Based on your profile — here's what you can comfortably afford.
Estimated Max Purchase Price
—
based on 43% DTI guideline
Conservative: —
Stretch: —
Combined Income—
Monthly Debts—
Max Housing Pmt (43%)—
Cash Available—
Down Payment Plan—
Credit Range—
PocketMLO
—
Income/mo
—
DTI
—
Cash
Loan Details
Purchase Price
$
Down ($)
$
Down (%)
%
Rate
%
Term
PITI & Extras
Tax/yr
$
HOI/mo
$
HOA/mo
$
MI Rate/yr
%
Include MI
Total Monthly Payment
$0
—
P & I
$0
Tax/mo
$0
HOI/mo
$0
MI/mo
—
HOA/mo
$0
Loan Amt
$0
P&ITaxIns+MI