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m↗MITEYTHE AMERICAN MORTGAGE ATLASRun my numbers ↗

HOUSTON RATE & HOLDING-PERIOD DESK

Make room for the home.
Remember the rest of life.

See scheduled debt as a share of gross monthly income.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

34 tools. One connected workspace.

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Home purchase

Debt-to-income budget

See housing and total scheduled debt as shares of gross monthly income.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-23.3
Housing / gross income30%
Total debt / gross income35%
Gross monthly income after entered debt$6,500

Not take-home disposable income or a qualification decision. Living expenses, taxes and lender-specific income/debt treatment differ.

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A SMALL CHANGE / A DIFFERENT VIEW

Housing cost $250 higher

Housing / gross income

Current scenario30%
Changed assumption32.5%

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Housing and total debt ratios use gross income, not take-home income.
  2. The remainder shown is before taxes and living expenses; it is not disposable cash.
  3. Lender income and debt treatment can differ from your own budget.
A GOOD QUESTION

Is the money after entered debt my spending budget?

No. It is gross monthly income less the entered debts. Payroll taxes, benefits, utilities, food, savings and other living costs are still additional.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

Before acting on the result

Not take-home disposable income or a qualification decision. Living expenses, taxes and lender-specific income/debt treatment differ.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

YOUR NEXT STEP / MITEY U.S.

A number is a start.
Make the next step clearer.

Ask MITEY about the calculation, an assumption or how to organize your next decision. Choose whether to include your scenario.

01 · Your calculator stays free02 · Share only what you choose03 · No loan application or credit check

This is an educational enquiry. It is not a request for a lender quote, approval or regulated mortgage advice.

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About: Debt-to-income budget · Houston

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