ITIN Mortgage Affordability Calculator
Find out how much home you can afford with an ITIN mortgage in 2026.
*This is an estimate based on a 43% Debt-to-Income (DTI) ratio. Actual bank requirements may vary.
How to use the ITIN Mortgage Calculator
This tool helps you estimate your homebuying power using an Individual Taxpayer Identification Number (ITIN). Because ITIN mortgages are "Non-QM" (Non-Qualified Mortgage) loans, they have different requirements than standard loans.
Annual Income
Lenders usually look for 2 years of consistent tax filings with your ITIN. If you're self-employed, they may use 12-24 months of bank statements instead.
Down Payment
While some programs allow 5-10% down, most ITIN lenders require 15% to 20% to qualify for the best rates. The more you put down, the lower your monthly payment.
Interest Rates
ITIN mortgage rates are typically 1% to 2% higher than conventional rates because banks hold these loans in their own portfolios rather than selling them to the government.
Debt-to-Income (DTI)
We use a 43% DTI ratio, which is the industry standard. This means your total monthly debt payments (including the new mortgage) shouldn't exceed 43% of your gross monthly income.