Educational estimate only. This calculator is not a loan application, prequalification, preapproval, commitment to lend, rate quote, or financial/legal advice. Results are estimates based solely on the information and calculator settings entered. The maximum DTI settings are intentionally qualification-oriented for higher-cost markets such as Hawaii: Conventional up to 50% total DTI; FHA up to 47% housing DTI and 56.99% total DTI; and VA up to 65% total DTI. These are calculator ceilings, not promises of approval. Actual qualification can vary based on credit profile, income documentation, assets and reserves, residual income where applicable, occupancy, property type, loan amount, automated underwriting findings, lender overlays, taxes, insurance, HOA dues, mortgage insurance, applicable program fees, and other underwriting requirements. Minimum down-payment settings do not mean every borrower will qualify for that program or down-payment level.