United States mortgage guides
Educational articles aligned with GetMortgageCalc's United States calculator assumptions. Always confirm details with a regulated professional.
Open United States calculatorThe 28/36 Rule for US Mortgages — What It Is and How to Use It
Plain-English guide to the classic US housing ratio limits (28% front-end, 36% back-end), how PITI fits in, and how to test your budget with our free US mortgage calculator.
Read guide →How Much House Can I Afford? US Mortgage Guide 2026
Use the 28/36 rule and DTI calculations to work out how much house you can afford in the US. Includes worked examples for different income levels.
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