Mortgage Income Calculator The Mortgage Income Calculator will determine the income required to qualify for the specific loan using the specified qualification ratios. If you are not sure what ratio a particular lender uses, keep the values at 28/36 which is considered more conservative. Annual Interest Rate   (%) Amortization Length   (Years) Expected Annual Property Tax   (%) Expected Annual Home Insurance   (%) Expected Monthly Debt Payments   ($) Sale Price of Home   ($) Principal Loan Balance   ($) Lender's Qualification Ratios   /   Note: The Mortgage income calculator is only provided as a rough guideline for loan qualification. Many factors, including borrower credit history, are used by lenders in making their loan decisions.

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