Mortgage Calculator Mortgage Prequalification Calculator To calculate your maximum monthly payment, fill out the form and click “Calculate” Monthly Income Pre-tax Income (salary): Dollars Self-employment Income: Dollars Second Job: Dollars Dividends: Dollars Interest: Dollars Pension: Dollars Social Security: Dollars Rental Income: Dollars Child Support, etc.: Dollars Other: Dollars Monthly Expenses Car Payment: Dollars Furniture Loan: Dollars Appliances: Dollars Boat or RV Loan: Dollars Credit Cards & similar debts: Dollars Student Loan: Dollars Other Payments: Dollars Pre-Qualification Ratio Choose a ratio: 28/36 29/41 The Housing Ratio consists of the monthly housing payment to total gross monthly income ratio. This ratio is used by lenders to determine the maximum monthly payment a lender is likely to allow you to carry based on your income alone. The first ratio is more conservative. The second ratio is more liberal. Please note that all calculations are estimates. You may qualify for a different monthly payment than the one shown here.