HomeCalcPro — Project Berekeningsrapport
Tool: Maximale Hypotheek Berekenen — Gratis Online Rekenmachine | HomeCalcPro | Afgedrukt op:
Maximale Hypotheek Berekenen — Gratis Online Rekenmachine | HomeCalcPro
Nauwkeurige en directe berekeningen met standaardformules voor Maximale Hypotheek Berekenen.
Income & Underwriting Inputs
Underwriting Debt-to-Income (28/36 Rule)
Transparent mathematical methodology explained in plain English.
Max Housing Payment = Min(Gross Monthly Income × 28%, Gross Monthly Income × 36% - Monthly Debts)Underwriters standardly qualify borrowers using front-end DTI (max 28% of income on housing: PITI) and back-end DTI (max 36% of income on all recurring debts combined).
Variables Explained:
- Gross Monthly Income: Pre-tax monthly earnings.
- Monthly Debts: Car loans, student debt, and minimum credit card payments.
- Down Payment: Available upfront cash equity.
$100,000 Income with $500/mo Debts & $50,000 Down Payment
Calculating maximum purchase price at 6.75% 30-year fixed rate.
- Gross monthly income: $100,000 / 12 = $8,333.33/mo.
- Front-end limit (28%): $8,333.33 × 28% = $2,333.33/mo.
- Back-end limit (36%): ($8,333.33 × 36%) - $500 = $2,500.00/mo.
- Max qualifying monthly housing payment: $2,333.33/mo.
- Solving for loan amount at 6.75% APR + property taxes & insurance.
- Max loan amount: ~$315,000.
- Max affordable home price: $315,000 + $50,000 = $365,000.
Veelgestelde Vragen (FAQ): Maximale Hypotheek Berekenen
Click any question below to expand quick answers, formulas, and expert tips.
What is the 28/36 mortgage rule?
The 28/36 rule states that your housing costs (mortgage principal, interest, taxes, and insurance) should not exceed 28% of your gross monthly income, and your total debt payments should not exceed 36%.