Physician Mortgage Affordability Calculator
See how much home you can afford with a physician mortgage loan. Physician loans offer no PMI and flexible debt-to-income requirements.
Your Finances
Student loans, car payments, credit cards, etc.
Physician loans allow 0-10% down with no PMI
Loan Terms
Monthly Payment Breakdown
Loan Details
Physician Loan Advantage
With a physician mortgage, you save $628/month ($226,080 total) by avoiding PMI. Conventional loans require PMI for down payments under 20% — physician loans waive this entirely.
Get Pre-Approved for a Physician Mortgage
No PMI on loans up to $2M. Compare rates from multiple physician mortgage lenders.
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How Physician Mortgage Loans Work
Physician mortgage loans are special programs that recognize the unique financial profile of doctors — high future earning potential with current student debt. Key benefits include no PMI on loans up to $2M, low or zero down payment, and student loans excluded or discounted from DTI calculations.
Who Qualifies?
MDs, DOs, DMDs, DDSs, and other medical professionals typically qualify. Some programs extend to residents and fellows with employment contracts. Requirements vary by lender.
This calculator provides estimates based on standard DTI ratios and approximate property tax/insurance rates. Actual pre-approval amounts depend on credit score, specific lender criteria, and local factors.