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Affordability & DTI calculator

Debt-to-income is a common talking point, not a BorrowForward credit decision. Use this to see how a payment might sit beside your bills.

Before taxes. Annual pay divided by 12 is fine.

Rent or mortgage, including typical association fees if you know them.

Cards, auto, student loans, and similar — not groceries or utilities.

%
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Illustrated DTI

42.2%

With the example loan payment. Current DTI without it: 36.7%.

Example loan payment
$332.14
Payment room at 36% DTI
$0.00
Payment room at 43% DTI
$380.00
Example amount at 36% DTI
$0

36% and 43% are common industry talking points, not BorrowForward underwriting rules. Lenders use their own criteria.

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These figures are illustrations using the numbers you enter. They are not an offer, quote, pre-qualification, or credit decision. BorrowForward is not a lender and does not make credit decisions. Actual rates, terms, and amounts are set by lenders and depend on eligibility. Remaining “room” is not a prediction of approval or a maximum you will be offered.

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