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How Do Mortgage Lenders Determine The Loan Amount?Our affordability calculator estimates how much house you can afford by examining factors that impact affordability like income and monthly debts. Calculate how much house you can afford with our home affordability calculator. Factor in income, monthly debt and more to better understand. Most lenders require that you'll spend less than 28% of your pretax income on housing and 36% on total debt payments. If you spend 25% of your.
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