The amount you can get for a mortgage depends on several factors, including your credit score, income, debt-to-income ratio, down payment, and the property's value. Key elements lenders typically consider in 2025 include:

• Credit score minimums vary by loan type but generally start at around 620 for conventional loans.
• A down payment is usually required, ranging from 0% for VA and USDA loans to at least 3%–5% for conventional loans.
• Debt-to-income ratios generally should be under 43%, with some flexibility up to 50% for strong credit profiles.
• Stable employment/income verification usually requires 2 years of consistent income.
• Available savings or reserves to cover down payment, closing costs, and sometimes several months of mortgage payments.
• The property's value and appraised price factor into the maximum loan amount.
• Specific mortgage programs (like the Dutch National Mortgage Guarantee in the Netherlands) have limits, e.g., €450,000 in 2025.

Income is evaluated mainly on your ability to cover monthly mortgage payments (including principal, interest, taxes, and insurance) comfortably within your income and debt limits. There is no universal fixed amount for how much mortgage you can get since it varies by your personal financial situation and lender criteria. If you want a rough idea of what you might qualify for, lenders often use rules like the 28/36 rule: You should spend no more than 28% of your gross monthly income on housing costs and no more than 36% on total debt. To get an accurate estimate for your mortgage eligibility and amount, you would typically need to provide detailed financial information to a lender or use a home affordability calculator that considers your income, debts, down payment, credit score, and loan terms.