Which inputs belong in a mortgage preparation screen?

Gather gross income, recurring debt payments, available down payment and a realistic home price. Use consistent monthly and annual units.

Our screen calculates existing monthly debts divided by gross monthly income and down payment divided by home price. Neither ratio includes every underwriting factor.

Source and further reading — checked 2026-10-28.

Educational information only. LoanPilotAI is not a lender or broker. Estimates are not approval, personalized advice or an offer of credit.