LoanCalculator

Commission-Only Sales DTI Calculator

Quick Summary

Built for Realtors, car sales professionals, and high-ticket closers. Calculate your average monthly qualifying income by accounting for unreimbursed business expenses and seasonal sales slumps.

Calculator

Your Inputs

$
$
$

Your Estimates

Monthly Qualifying Income

$9,667

Max Estimated Loan Amount

$688,217

Assumes a 45% DTI ratio

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Frequently Asked Questions

How do lenders calculate commission-only income?

They require a 24-month history and will average your commission across those two years. If your income is declining year-over-year, they will likely use the lower, most recent year.

Can I buy a house with less than two years of commission history?

It is very difficult. Some lenders may allow 12 to 18 months of history if you were previously salaried in the exact same line of work.