Front-end ratio
—
target 45%
Back-end ratio
—
ceiling —
Back-end ratio on gauge
Comfortable room
Tightening, program-dependent
Little to no room left
Comfortable price range
—front-end target, 31% of income
Stretched ceiling
—back-end ceiling, 45% of income
This home — —
—est. monthly payment at this price
Principal & interest—
Est. property tax—
Est. insurance—
HOA—
Mortgage insurance—
Est. monthly payment (at comfortable range)—
This is a rough field estimate only — not a pre-approval, not a rate quote, and not a lending decision. It does not verify income, assets, credit, or eligibility. Actual qualification depends on full underwriting, program guidelines, and current rates. Property tax and insurance figures are planning assumptions, not confirmed county figures. Share this with Sarah to convert it into a real pre-approval.