Mortgage readiness

Check your score, debt-to-income and down payment together against common Conventional, FHA and VA guidelines.

Credit score

Gross monthly income ($)

Other monthly debts ($)

Home price ($)

Down payment ($)

Interest rate you’re quoted (%)

Taxes + insurance ($/mo)

Eligible for VA?

Estimated housing payment$2,421Likely in range for a program

Loan amount$304,000

Down payment5.0%

Housing ratio (front-end)32.3%

Total DTI (back-end)38.3%

FitsConventional. Typically 620+ score and 3%+ down. Under 20% down usually adds PMI.

FitsFHA. 580+ with 3.5% down, or 500–579 with 10% down.

Not yetVA. For eligible service members and veterans. Many lenders look for ~620.

General program guidelines only. Lenders set their own requirements.

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Educational estimate based on what you enter. Not a credit score, a lending decision or financial advice.