Mortgage DTI & Cash-to-Close Calculator

Simulate your exact purchasing power, PITI monthly payment breakdown, and debt-to-income ratios before applying with a lender.

1. Income & Proposed Mortgage

Gross Monthly Income ($)

Target Home Price ($)

Down Payment (5% = $17,500)

Interest Rate (%)

Texas Property Tax Rate (%)

Annual Home Insurance ($)

2. Monthly Debt Obligations (Credit Report)

Monthly Auto Loans ($)

Monthly Student Loans ($)

Credit Card Minimums ($)

Other Monthly Debts ($)

Estimated Total Housing Payment

$3,096 / month

Principal & Interest (P&I)$2,102

Property Taxes (Escrow)$642

Homeowners Insurance$150

Mortgage Insurance (PMI/MIP)$152

HOA Dues$50

Underwriting DTI Ratios

Front-End (Housing)

41.3%

Benchmark: ≤ 28%

Back-End (Total Debt)

51.9%

Benchmark: ≤ 43%

Chekelah's Underwriting Assessment:Critical DTI Warning: Total debt exceeds 50%. Most AUS systems will decline without substantial compensating factors.

Down Payment (5%):$17,500

Est. Closing Costs & Prepaids (3%):$10,500

Est. Total Cash to Close:$28,000

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