What is a good debt‑to‑income (DTI) ratio?

Many lenders prefer a total DTI below 43%, though stricter programs may target 36% or lower.

Should I buy points to lower my rate?

Discount points reduce the rate up front; compare breakeven months to how long you’ll keep the loan.

Mortgage Payment Calculator (US)

Estimate monthly payment, total interest, and payoff for a fixed-rate US mortgage. For reference only.

How this mortgage calculator helps you

Enter home price, down payment, rate and term to see your monthly principal & interest. Toggle taxes, insurance or HOA for a more realistic estimate when planning with lenders.