Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio (DTI) to see how it affects your mortgage qualification and borrowing power.
Current Debt-to-Income Ratio
Back-End DTI:
0.0%
Front-End DTI:
0.0%
Mortgage Qualification
Enter your information
Fill out the form to see qualification status
Monthly Breakdown
Total Monthly Income:
$0.00
Total Monthly Debt:
$0.00
Housing Payment:
$0.00
DTI Guidelines by Loan Type
Conventional
- Front-End: =28%
- Back-End: =36%
- High-Ratio: =45%
- Investment: =75%
FHA
- Front-End: =31%
- Back-End: =43%
- Manual: =56.9%
- Medical: Higher allowed
VA
- Front-End: =41%
- Back-End: No limit
- Residual: =20%
- Guidelines: Flexible
USDA
- Front-End: =29%
- Back-End: =41%
- Guarantee: =46%
- Rural: Flexible
Understanding Debt-to-Income Ratio
Your debt-to-income ratio (DTI) is a key factor lenders use to determine how much you can afford to borrow. It compares your monthly debt payments to your monthly gross income.
Front-End vs. Back-End DTI
- Front-End DTI: Housing costs (mortgage, taxes, insurance) divided by gross income
- Back-End DTI: All debt payments (housing + other debts) divided by gross income
- Formula: DTI = (Monthly Debt Payments ÷ Monthly Gross Income) × 100
What Counts as Debt?
- Housing Costs: Mortgage principal, interest, taxes, insurance, HOA fees
- Installment Loans: Car loans, student loans, personal loans
- Revolving Debt: Credit card minimum payments
- Other Obligations: Alimony, child support
Improving Your DTI
- Pay Down Debt: Reduce balances on credit cards and loans
- Increase Income: Additional income can improve your ratio
- Larger Down Payment: Reduces mortgage amount and monthly payment
- Shop Around: Different lenders have different DTI requirements
- Debt Consolidation: May lower monthly payments
Important: DTI is just one factor lenders consider. Your credit score, employment stability, and down payment also play important roles in loan approval.