This calculator tells you how much monthly gross income you may need to qualify for the home you want. Mortgage companies use ratios to analyze your mortgage payment, and you will be required to enter these below. The housing expense, or front ratio, compares your total mortgage payment to your monthly income. The total debt expense, or back ratio, compares your total monthly obligations including your total mortgage payment to your monthly income.

You will be required to enter specific information about your monthly property taxes and property value. Any other property information fields you leave blank will be assumed to be zero. In either case, the results displayed below are only estimates of the amount of income you may need to qualify for a loan. You will be provided with two income calculation amounts: aggressive and conservative. The aggressive income amount may be used to qualify for more non-conventional loan programs.