: Your total monthly earnings before taxes, including salary, bonuses, and consistent side income.

: Include only minimum required payments for:

To calculate your ratio for a mortgage, divide your total monthly debt payments by your gross monthly income (your pay before taxes).

If your ratio is too high for approval, consider these quick adjustments before applying:

: The percentage of income covering all monthly debt obligations plus the new mortgage.

: The estimated principal, interest, taxes, and insurance (PITI).

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