The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. The lender also considers how much cash you are able to apply to your down payment and closing costs. Credit history, which can be obtained through a credit report is also factored when determining your maximum loan amount.