Conventional starts at a 36% back-end ratio here and FHA at 43%, which is where a lot of files start. Strong ones go higher. That part is a phone call.
A price that holds up
$0
Under conventional rules$0
Under FHA rules$0
Monthly housing budget behind it$0
The real ceiling comes from a lender.
Ten minutes on the phone and a look at your actual file. Call, and a licensed Pennsylvania lender calls you back, usually the same business day.
(484) 558-9670Estimates only. Not a loan offer, a rate quote, or a pre-approval. Underwriting guidelines, overlays and your full credit file set the real number. The rate box is your guess; nobody here quotes one.