What is the exact formula lenders use for debt-to-income ratios when I calculate home affordability budgets after taking a pay cut?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the exact formula lenders use for debt-to-income ratios when I calculate home affordability budgets after taking a pay cut?
3 real searches · 1 real-search pass
Fannie Mae debt-to-income ratio qualifying income monthly obligations maximum 36 45 50 mortgage officialGoogle ↗
OBSERVED
Freddie Mac debt-to-income ratio mortgage qualifying income monthly debt obligations officialGoogle ↗
OBSERVED
CFPB debt-to-income ratio mortgage gross monthly income officialGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae debt-to-income ratio qualifying income monthly obligations maximum 36 45 50 mortgage official Google ↗
Freddie Mac debt-to-income ratio mortgage qualifying income monthly debt obligations official Google ↗
CFPB debt-to-income ratio mortgage gross monthly income official Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Truth in Lending Act · federalreserve.gov
- Completing your loan application · myhome.freddiemac.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae debt-to-income ratio qualifying income monthly obligations maximum 36 45 50 mortgage official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac debt-to-income ratio mortgage qualifying income monthly debt obligations official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB debt-to-income ratio mortgage gross monthly income official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |