Required-Income Calculator

Back-solve the income a borrower needs for a property. Estimate for you, not a borrower quote — pull the live rate and exact MI from Arive / the PPE.

The property

Purchase price

Down payment

Program

Note rate (from PPE)

TermPMI (est., from PPE)

%/yr

Property taxes / yr

Insurance / yr

HOA / mo

Other monthly debts

Monthly payment (PITIA)

Conventional (DU)

$3,226

+ $600 other debts = $3,826 total obligations

Principal & interest: $2,157
Taxes: $583
Insurance: $333
Mortgage insurance: $152

Required income

Estimate

Back-solved from PITIA + debts ÷ max DTI

$7,651/mo

at the 50% program max · $91,816/yr

Safer target (45% DTI): $8,501/mo
Gross annual (safer): $102,017

Estimate for the LO, not a quote or approval. Pull the live note rate and exact MI/fee from Arive / the PPE — the engine never invents a rate. Taxes and insurance are property-specific (Houston defaults shown; replace with the actual tax bill and an insurance quote). MI/fee figures are the standard program values (verified June 2026); confirm exact at lock.