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Qualifying Ratio Calculator

Sale Price of Home ($)
Amount Down    Percent (%)   Amount in Dollars ($)
Term of Loan (in Years)
Interest Rate (% of 100)
Combined Household Monthly Gross Income ($)
Monthly Auto Loan Payment ($)
Other Recurring Payments ($)
Dollar Amount Financed ($)
Monthly Payment ($)
Annual Loan Cost ($)
Other Debt ($)
Total Monthly Debt ($)
Ratio of Housing Cost To Income (% of 100)  This value should be <= 28% for conventional loans, and <= 29% for HUD/FHA loans
Ratio of (Housing Cost + Debt) To Income (% of 100)  This value should be <= 28% for conventional loans, and <= 29% for HUD/FHA loans
Minimum Monthly Income Needed To Qualify ($)

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BuilderConnect is a service of Land Home Financial / Builder Division. Land Home Financial Services, Inc. (also known as "Land Home" or "Land Home Financial") is an Equal Housing Opportunity Lender . Call your loan officer for details. Rates, Program, Fees, and Guidelines are subject to change without notice. Restrictions apply. Not a commitment to lend. The information, loan option scenarios, and/or guidelines are for illustrative/marketing purposes only and will vary depending on circumstances, terms may not apply to every situation. Land Home only conducts business in states we are approved to. Land Home Financial Services, Inc. 1355 Willow Way, Suite 250, Concord, CA 94520. NMLS #1796. To view states licenses go to NMLS Consumer Access or click here. NMLS Consumer Access Website Authorization by New York State Department of Financial Services Pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this website.