: Aim for a DTI of 35% or lower , including your future mortgage payment. Avoid new debt, like car loans or credit cards, which can instantly disqualify you.
: Limit housing costs to 30% of your take-home pay . In 2026, experts specifically recommend "mortgage rehearsals"—saving the difference between your current rent and your projected mortgage for six months to test your budget. Strategic Saving Methods tips for saving for or buying a house
Lenders in 2026 are using stricter underwriting standards, making early preparation essential. : Aim for a DTI of 35% or