The lender math (DTI)
Lenders measure debt-to-income ratio: your total monthly debts divided by your gross monthly income. Most Florida loan programs cap at 45–50% DTI, though some go higher.
- Front-end DTI — housing payment only, typically 28–36%
- Back-end DTI — housing plus all other debts, typically 43–50%
- Florida-specific: property tax and insurance are inside the housing number
The life math (what actually feels sustainable)
A payment that's technically approved but leaves no room for HOA special assessments, hurricane deductibles, or Florida summer AC bills isn't really affordable. Aim for a payment that still lets you save and travel.
Get a personal affordability review
Joann will map your income, debts, and life plans against three payment scenarios — comfortable, stretch, and maximum — so you can decide which feels right.
Florida Mortgage Calculators
Estimate a monthly payment, see how much home you can afford, or check your refinance savings — instantly.
Estimates only. Not a commitment to lend. Actual rates, payments, and eligibility depend on credit, property, and program guidelines.
Get a personal affordability review
Joann personally responds within one business day — with real numbers for your real situation.