Pre-Underwriting Assistant

⚠ For review and education only — this does not make a lending or underwriting decision. Everything runs in your browser; your financial data is never uploaded or sent anywhere.

START What type of income are you evaluating?

Pick one to jump straight to the right fields. Nothing is hidden either way — you can fill in both sections if the borrower has more than one income type.

01 Borrower & Loan Basics

The core numbers every DTI calculation starts from.

Borrower name

Gross monthly W-2 income (if any)

Proposed monthly housing payment (PITI)

Other monthly debts (revolving + installment, from credit report)

02 Self-Employed Income

Form 1084-style qualifying income — the part DU/LP can't read a tax return and reason about.

Borrower has self-employment income to evaluate

Business structure

Most Recent Tax Year

Upload this year's Schedule C, or Schedule K-1 plus page 1 of the entity return (1120-S or 1065). Reads entirely in your browser — nothing is uploaded anywhere.

or enter manually

Prior Tax Year

Upload this year's Schedule C, or Schedule K-1 plus page 1 of the entity return (1120-S or 1065). Reads entirely in your browser — nothing is uploaded anywhere.

or enter manually

Leave the prior year blank if you only have one year of returns — the tool will flag it as insufficient history rather than average it.

03 Bank Statement Activity

Upload the bank statement PDF exactly as downloaded from online banking, or paste the transactions as text.

⚠ Photos or scanned images of paper statements do NOT work. This only reads text-based PDFs — the kind you download directly from your bank's website, not a picture or scan of a printed page.

Reads the PDF entirely in your browser. Nothing is uploaded anywhere.

or paste manually

Transactions

Debits/fees can be shown as negative, in parentheses, or just labeled "fee," "withdrawal," "NSF" — the parser figures out the sign either way.

Large / unexplained deposit threshold

(also works for standard W2 income)

Pre-Underwriting Summary

Updates when you click Calculate

Fill in the borrower's numbers on the left, or click "Self Employed Example" to see a worked example, then click Calculate Summary.

This tool surfaces information for human underwriter review only. It does not make a lending or underwriting decision, and does not replace DU, LP, or a licensed underwriter's judgment.

Want to learn to build tools like this yourself?

This exact tool was built step by step in HOW2GENAI Academy's free course — the same no-code path, from a blank canvas to a working AI-powered assistant.

Start Learning Free