20 JUN 2026
28/36 Rule Explained: The Mortgage Guideline Every Buyer Must Know
Posted By: Jordan Hayes
The 28/36 rule is the industry-standard formula lenders use to decide how much mortgage you can handle. Front-end: housing costs ≤28% of gross income. Back-end: all debts ≤36%. Here's how it works and when you can push past it.