Home Buying Readiness

See where your debt-to-income ratio lands, what price range that supports, and how much cash you'd actually need to close.

Affordability estimate · not a pre-qualification

DigiWorld, LLC
digiworld.press

Your Numbers

Use gross monthly income, before tax. For debts, use the minimum payments showing on your credit report, not the balances.

Gross monthly income

Monthly debt payments

Cash available

Credit score range

Loan & Property

Loan program

Down payment %

Interest rate %

Term

Property tax %/yr

Insurance $/yr

HOA $/mo

Closing costs %

Or test a specific price

What If

Move one lever and watch the range move with it.

Pay off this much monthly debt

Add this much monthly income

Estimated Range

—

Estimated purchase price

Principal & interest Property tax Insurance Mortgage insurance HOA

Principal & interest—

Property tax—

Homeowners insurance—

Mortgage insurance—

HOA—

Total monthly payment—

Your Debt-to-Income

Front-end — housing onlyTotal housing payment against gross income —

Back-end — all debtHousing plus every other monthly payment —

Cash to Close

Down payment—

Estimated closing costs—

Prepaids and escrow setup—

Inspection and appraisal—

Cash needed—

How You Look to Each Loan Program Guidelines as of August 2026

There is no single pass mark. Each program draws the line differently, and published guidelines are a starting point, not a verdict.

Program	Guideline	Stretch	Your standing	Notes

Down Payment Comparison

Same price, different down payments. More down means a lower payment and no mortgage insurance, but far more cash at the table.

Down	Down payment	Loan amount	Monthly MI	Total payment	Cash needed

Before You Talk to a Lender

This is an estimate, not a pre-qualification or a loan offer. Real approval depends on a full underwriting review including credit history, employment, assets, reserves, and the property itself. Automated underwriting can approve ratios above published guidelines with compensating factors, and can decline files that appear to fit them. Property tax rates, insurance costs, mortgage insurance pricing, and interest rates vary by location, lender, and day. Nothing here is financial or lending advice. Talk to a licensed lender for numbers you can rely on.