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**Home Mortgage Payment Calculator Using an Excel Spreadsheet**

The results of calculations should not be taken as a statement of one's credit-worthiness, but rather a general guideline/estimate of mortgage payments and. To calculate your DTI ratio, divide your ongoing monthly debt payments by your monthly income. As a general rule, to qualify for a mortgage, your DTI ratio. Use this mortgage payment calculator to get a better picture of what monthly payments to expect based on your house price, interest rate and down payment. You'.