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Pre-Qual Simulator

Approval Odds

Enter your income and debts. See what you qualify for under each loan program, with their real DTI limits and mortgage insurance rules.

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Include: car, student loans, credit cards (min payments), personal loans, child support.

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Loan limits: FHA $1,029,250 · Conv $1,029,250 · VA $1,029,250. USDA uses an income cap (~$119,850 for 1-4 person households in most areas) instead of a loan limit.

Interest Rates by Program

National averages via Mortgage News Daily, rounded to the nearest 0.125% and bumped up 0.125% for a conservative starting estimate. Your actual rate may differ. Adjust below to match your quote.

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Adjust rates manually or they'll auto-populate when live data loads.

↓ Your Results ↓

Tap any card to send that scenario to the calculator

Conventional · Max Purchase$371,3226.750% · back-end DTI binding
Front-End DTI 43.1% / 49.99%
Back-End DTI ← binding50.0% / 49.99%
Max Housing Payment
$2,799
Housing + Debts
$3,249of $3,249 back-end max
Loan Amount
$352,756
Loan Limit
$1,029,250
Down Payment
$18,5665.0%
PMI (0.37%)
$109/mo

Front-end and back-end both 49.99%. DTI thresholds assume 740+ FICO — lower scores may reduce max DTI. PMI removable at 80% LTV.

Est. APR at Max Purchase7.130%

Note rate 6.750% · Includes lender fees, monthly MI

Estimated APR is for educational purposes only — your actual APR will be disclosed on your Loan Estimate.

FHA · Max Purchase$410,9906.250% · front-end DTI binding
Front-End DTI ← binding47.0% / 46.99%
Back-End DTI 53.9% / 56.99%
Max Housing Payment
$3,054
Housing + Debts
$3,504of $3,704 back-end max
Loan Amount
$390,441
Loan Limit
$1,029,250
Financed Fee (1.75%)
$6,833
Down Payment
$20,5505.0%
MIP (0.5%)
$163/mo

Front-end 46.99%, back-end 56.99%. DTI thresholds assume 680+ FICO. UFMIP (1.75%) financed. MIP for life if <10% down.

Est. APR at Max Purchase7.150%

Note rate 6.250% · Includes lender fees, UFMIP, monthly MI

Estimated APR is for educational purposes only — your actual APR will be disclosed on your Loan Estimate.

★ Most PowerVA · Max Purchase$445,1326.250% · back-end DTI binding
Front-End DTI 48.1% / 50.0%
Back-End DTI ← binding55.0% / 55.0%
Max Housing Payment
$3,125
Housing + Debts
$3,575of $3,575 back-end max
Loan Amount
$422,875
Loan Limit
$1,029,250
Financed Fee (1.5%)
$6,343
Down Payment
$22,2575.0%
No monthly MI
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Front-end 50%, back-end 55%. DTI thresholds assume 680+ FICO. Funding fee 1.5% financed. No monthly MI. Can exceed 55% with strong residual income.

Est. APR at Max Purchase6.480%

Note rate 6.250% · Includes lender fees, VA funding fee

Estimated APR is for educational purposes only — your actual APR will be disclosed on your Loan Estimate.

USDA · Max Purchase$304,0636.250% · front-end DTI binding

Household income, not just yours. USDA counts gross income from all adults (18+) in the household, even those not on the loan. Verify your total against the $119,850 limit (1-4 person, most areas) with an MLO before relying on this estimate.

Front-End DTI ← binding34.0% / 34.0%
Back-End DTI 40.9% / 44.99%
Max Housing Payment
$2,210
Housing + Debts
$2,660of $2,924 back-end max
Loan Amount
$288,860
Income Limit
$119,850/yr1-4 ppl, most areas
Financed Fee (1%)
$2,889
Down Payment
$15,2035.0%
Annual Fee (0.35%)
$84/mo

Front-end 34%, back-end 44.99% (stretch maximums with compensating factors — standard GUS Accept is 29%/41%). 30-year fixed only. Annual fee for life of loan. Subject to property + household income eligibility.

Est. APR at Max Purchase6.930%

Note rate 6.250% · Includes lender fees, USDA Guarantee Fee, monthly MI

Estimated APR is for educational purposes only — your actual APR will be disclosed on your Loan Estimate.