How much can I borrow for a mortgage?
Quick Answer
Lenders typically lend up to about 4-5× your annual gross income, with monthly housing capped at ~28% of gross income (front-end DTI) and total debt at 36-43% (back-end DTI). Personal-finance experts recommend keeping it lower for safety.
Warren Team
Updated January 5, 2026
37
Warren Team
Updated January 5, 2026
37
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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