Pre-Qualification Tool

QUAL Sheet

Quick borrower qualification and max purchase price calculator

Monthly Gross Income

Total monthly income before taxes and deductions

Gross Monthly Income

Include salary, bonuses, commissions, and other regular income

Monthly Debt Obligations

All recurring monthly debt payments (do not include housing costs here)

Car Payment(s)

Credit Card Minimum Payments

Student Loans

Other Debts

Personal loans, alimony, child support, etc.

Estimated Housing Costs

Monthly property tax, insurance, and HOA fees (if applicable)

Property Tax (Monthly)

Typical: ~1.2% annual / 12

Home Insurance (Monthly)

Typical: $80-150/month

HOA Fees (Monthly)

If applicable

Available Down Payment

Cash available for down payment and closing costs

Down Payment Amount

Minimum 3-5% recommended (20% to avoid PMI)