Qualifying income = average monthly deposits × (1 − expense factor). We then cap total housing + debt at ~45% of that income and back into a loan amount at your rate and term. Lower your expense factor (with a CPA letter) and watch the number rise. Estimates only — see Requirements for the real rules.
Estimate your qualifying income & loan
Adjust the inputs — results update instantly.
Reading your result
The calculator does what an underwriter does in miniature: it converts deposits into income, applies a DTI ceiling, and solves for the loan your income supports. Three levers move the answer most:
The expense factor
On business accounts, this is the biggest lever. Dropping it from 50% to 35% with a CPA letter raises qualifying income by roughly a quarter — often tens of thousands in buying power.
Your rate & term
A 40-year term or lower rate reduces the payment, letting the same income support a larger loan. See Rates.
Other debts
Every dollar of monthly debt is a dollar less housing payment under the DTI cap. Paying down a card before applying can lift your number.
Frequently asked
How does it estimate income?
Average monthly deposits × (1 − expense factor). Business accounts default to ~50%; personal accounts use less or none.
Does a lower expense factor help?
Yes — more deposits count as income. A CPA letter documenting real expenses below 50% raises your number.
Is this an approval?
No — an educational estimate. Real figures come from full underwriting of statements, credit, and reserves.
What DTI does it assume?
~45% housing-plus-debt by default; some programs allow up to ~50%.
Reviewed by the licensing team at Save Financial, a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766) founded in 2009 and serving all 58 counties from offices in Newport Beach and Marina del Rey.