FHA Eligibility & DTI Calculator

Find out where your Arizona or Texas FHA file stands before you start touring. Enter your income, monthly debts and credit range to see your debt-to-income ratio, how much of your income FHA's standard ratios leave for a housing payment, and the minimum down payment FHA sets for your score. If a lender has already quoted you a payment, add it to see how that quote measures up against your income.

Results are estimates for educational purposes only and are not a loan offer, pre-approval, or commitment to lend. This tool does not calculate payments or quote rates. FHA requires a minimum 3.5% down payment with a 580 or higher credit score; scores of 500–579 require 10% down.

FHA Eligibility & DTI Check

See Where Your File Stands Before You Shop

Enter your income, your monthly debts and your credit range to see your debt-to-income ratio, the share of your income FHA's standard ratios leave for housing, and FHA's minimum down payment for your score. Have a quote already? Add its total housing payment to see how it measures up. This tool doesn't calculate payments or quote rates.

Annual Household Income

Combined gross annual income before taxes

Total Monthly Debt Payments

Car loans, student loans, credit-card minimums, etc. (not rent)

Estimated Credit Score

580+ → 3.5% down · 500–579 → 10% down · below 500 → ineligible

Housing Payment From a Quote (optional)

The full monthly total on your quote: principal, interest, taxes, insurance, FHA mortgage insurance and any HOA dues

Home Price You're Considering (optional)

Used only to check your down-payment cash against FHA's minimum

Cash Set Aside for the Down Payment (optional)

Keep closing costs separate; they aren't part of this check

Ready to See If You Qualify?

Our quick qualifier quiz takes about two minutes and gives you a preliminary estimate of the FHA options that may fit your situation — not a commitment to lend.

Take the Qualifier Quiz Call (469) 405-2690

Tanner Cook, NMLS #2090424 | Zac Cook, NMLS #2111496
Cornerstone First Mortgage, LLC, NMLS #173855