: Typically capped at 43%–45%, though some lenders allow up to 50% with high credit scores or large cash reserves.
: Your prospective monthly housing costs (mortgage, taxes, insurance) should not exceed 28% of your gross income. credit to debt ratio to buy a house
: This is the gold standard for most conventional lenders: : Typically capped at 43%–45%, though some lenders
: Your total monthly debt—including the new mortgage, credit cards, car loans, and student loans—should ideally be 36% or less. Maximum Limits by Loan Type : : Typically capped at 43%–45%