Will your buyer qualify?

Pick any of our quick-move-in homes, drop in your client's income and monthly debts, and get an instant USDA or FHA debt-to-income estimate with a full monthly payment breakdown. Everything's adjustable, and your 3% co-op stays protected.

Estimate only. This is a planning tool, not a loan approval or pre-qualification. Real qualification depends on credit, full income/asset documentation, and the rate available the day you lock. For an official answer, send your client to Matthew Mikhail at Lennar Mortgage.

1. Choose a home

Home

Loan program

USDA0% down · rural FHA3.5% down

2. Your buyer's numbers

Gross annual household income

Before taxes. USDA counts the whole household.

Total monthly debt payments

Car, student loans, credit-card minimums, etc. Not rent.

Interest rate

Down payment

USDA allows $0 down.

Loan term

Property tax rate

Of price, per year. OK avg ~0.9%.

Homeowners insurance

Per year. OK runs high.

HOA dues

Per month.

Enter income to see results

Pick a home above and add your buyer's income and monthly debts.

Est. monthly payment$—/mo

Debt-to-income

Front-end (housing only)—

Back-end (all debts)—

Income needed and headroom will appear here.

Looks like a fit? Lock it in.

Pre-qualification confirms the real numbers. Registering protects your 3% co-op.

How this works & the fine print. Payments are estimated with standard amortization and include principal & interest, property taxes, homeowners insurance, mortgage insurance, and HOA dues. USDA assumes 0% down, a 1.0% upfront guarantee fee financed into the loan, a 0.35%/yr annual fee, and standard 29%/41% DTI guidelines. FHA assumes 3.5% down, a 1.75% upfront MIP financed into the loan, a 0.55%/yr annual MIP, and standard 31%/43% DTI guidelines. Automated underwriting (GUS/DU) can approve higher ratios with strong credit and reserves. USDA loans also require the household income to fall under area limits and the property to sit in a USDA-eligible area. These figures are estimates that change with rates, credit, and program updates, and are not a commitment to lend. Blake Mason is a New Home Consultant, not a licensed mortgage lender or financial advisor. Verify everything with Matthew Mikhail at Lennar Mortgage before relying on it.