Front-end DTI is housing alone. Back-end DTI adds car loans, student loans, minimum credit card payments, and other obligations. Child support counts. Groceries do not.
Illustrative price
$573,723
This solves for a conventional payment that fits the DTI you entered, using 2.1% tax and about $300 of insurance per $100,000 of price. Many programs look at the mid-40s, but the limit depends on the whole file. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.
