28/36 Rule Calculator

Max housing/debt from income.

Max housing (28%) ($) 1,680

Max total debt (36%) ($) 2,160

Step-by-step with your numbers:

1. Values used:

2. Gross monthly income = 6,000 $

3. Max housing (28%) = 1,680$

4. Max total debt (36%) = 2,160$

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The classic mortgage lending rule: 28% housing, 36% total debt.

FAQ

Hard rule?

Some lenders go higher; FHA allows up to ~43%.