28/36 Rule Calculator
FinanceCheck your mortgage affordability against the 28/36 rule -- housing costs under 28% of income, total debt under 36%.
Front-End Ratio (Housing)
Housing costs as a share of gross income -- the 28/36 rule recommends staying at or below 28%.
Back-End Ratio (Total Debt)
30.0%
Total debt payments (housing plus other debts) as a share of gross income -- the rule recommends staying at or below 36%.
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Frequently Asked Questions
How is the 28/36 rule calculated?
Front-End Ratio = Housing Costs / Gross Monthly Income x 100. Back-End Ratio = (Housing Costs + Other Monthly Debts) / Gross Monthly Income x 100. Lenders commonly use these to gauge mortgage affordability.
What happens if I exceed the 28/36 thresholds?
Exceeding these ratios doesn't automatically disqualify you, but it may mean a smaller loan approval, a higher interest rate, or a request for a larger down payment -- lenders view higher ratios as higher risk.
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