Your pocket mortgage loan officer. Know exactly what you can afford.
DTI Analysis
PITI Calculator
Scenarios
EN / ES
Step 1 of 5
💰
What's your income?
We'll use this to calculate your DTI and maximum qualifying payment.
$
/ mo
$
/ mo
💳
Monthly debt payments?
Enter minimum monthly payments. Don't include rent — we're replacing it.
🚗
Car Payment(s)
$
💳
Credit Cards (min pmt)
$
🎓
Student Loans
$
📋
Other Debts
$
Back-End DTI
—
0%Ideal <36%Max ~43%60%
🏦
Cash on hand?
Savings + checking + gift funds. This shapes your down payment options.
$
total
🌱
3.5% FHA
🪴
5% Conv.
🌿
10% Conv.
🌳
20% No MI
📊
Credit & loan profile
No hard pull — just a range to estimate your rate.
⚠️
580–619
🔵
620–659
🟢
660–719
⭐
720+
%
🎯
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—
Disclaimer: This tool is for informational and educational purposes only and does not constitute a loan offer, commitment to lend, or approval of credit. Actual loan terms may vary based on lender underwriting and approval.
PocketMLO
—
Income/mo
—
DTI
—
Cash
Loan Details
Purchase Price
$
Down ($)
$
Down (%)
%
Rate
%
Term
PITI & Extras
Prop 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
Disclaimer: This tool is for informational and educational purposes only and does not constitute a loan offer, commitment to lend, or approval of credit. Actual loan terms may vary based on lender underwriting and approval.
Target Payment
Desired Monthly Payment
$
Rate
%
Term
Down %
%
Tax Rate/yr
%
PITI & Extras
HOI/mo
$
HOA/mo
$
Include MI
MI Rate/yr
%
Max Purchase Price
$0
—
Loan Amt
$0
Down Pmt
$0
P&I/mo
$0
Tax/mo
$0
MI/mo
—
HOI/mo
$0
Disclaimer: This tool is for informational and educational purposes only and does not constitute a loan offer, commitment to lend, or approval of credit. Actual loan terms may vary based on lender underwriting and approval.
PocketMLO — Scenario Comparison
Generated · For informational purposes only
🏠
⚖ Scenario Comparison
Adjust down payment, rate, or credit score across scenarios. Compare payment breakdowns instantly.
Base Parameters
Purchase Price
$
Tax/yr
$
HOI/mo
$
HOA/mo
$
MI Rate/yr
%
Build a Scenario
Down %
%
Rate %
%
Term
Credit Score
Label
📊
Add your first scenario above. Compare different down payments, rates & credit scores.
Disclaimer: This tool is for informational and educational purposes only and does not constitute a loan offer, commitment to lend, or approval of credit. Actual loan terms may vary based on lender underwriting and approval.
Disclaimer: This tool is for informational and educational purposes only and does not constitute a loan offer, commitment to lend, or approval of credit. Actual loan terms may vary based on lender underwriting and approval. PocketMLO · pocketmlo.com