Income
Income Cheat Sheet.
Purchase price to income needed — at a glance. Built to screenshot and send.
Purchase price to income needed — at a glance. Built to screenshot and send.
Purchase prices where 5% down keeps the loan at or below the LA County high-balance conforming limit ($1,249,125).
| Purchase Price | Income Needed | Down Payment | Est. PITI Payment | Loan Type |
|---|
5% down applies to loans at or below the LA County high-balance conforming limit of $1,249,125. Income assumes ~48% DTI. Payments include estimated property tax (~1.25%), homeowner's insurance, and mortgage insurance. Actual qualification depends on credit, debt, and loan structure.
Income needed with 20% down across the full range. Purchases $4M and above require 25% down.
| Purchase Price | Income Needed | Down Payment | Est. PITI Payment | Loan Type |
|---|
20% down for all price points. Purchases over $4M require 25% down. Loans above $1,249,125 are classified as Jumbo. Income assumes ~48% DTI for Conforming/High-Balance and ~45% DTI for Jumbo. Payments include estimated property tax (~1.25%) and homeowner's insurance. Actual qualification depends on credit, debt, and loan structure.
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