Debt-to-Income Calculator

Calculate your DTI ratio to see how lenders will view your mortgage application.

Monthly Income

$
$

Bonuses, rental income, alimony, etc.

Housing Expenses (Proposed)

$
$
$
$

Other Monthly Debts

$
$
$
$

Personal loans, child support, alimony, etc.

Front-End DTI (Housing)
31%
Back-End DTI (Total Debt)
42%

Monthly Summary

Total Gross Income $6,000
Housing Costs (PITI + HOA) $1,850
Other Debt Payments $650
Total Monthly Debt $2,500

Back-End DTI Rating

0% 36% 43% 50%+
DTI Thresholds
  • Below 36%: Excellent - Most loan programs
  • 36-43%: Acceptable - Conventional loans
  • 43-50%: Limited - FHA/VA may qualify
  • Above 50%: High risk - Difficult to qualify

Understanding DTI Ratios

Debt-to-income ratio is one of the most important factors lenders consider when evaluating your mortgage application. There are two types:

Front-End DTI (Housing Ratio)

This measures your housing costs as a percentage of gross income. Includes:

  • Principal and Interest (P&I)
  • Property Taxes
  • Homeowners Insurance
  • HOA Fees (if applicable)
  • PMI (if applicable)

Target: 28% or less for conventional loans

Back-End DTI (Total Debt Ratio)

This measures ALL your monthly debt payments as a percentage of gross income. Includes housing costs plus:

  • Car loans
  • Student loans
  • Credit card minimum payments
  • Personal loans
  • Child support/Alimony

Target: 36% or less for best rates

DTI Requirements by Loan Type

Conventional Loans

Maximum back-end DTI: 43-45%
Preferred: 36% or less
With strong compensating factors: up to 50%

FHA Loans

Maximum back-end DTI: 43% (standard)
With compensating factors: up to 50%
Front-end DTI: 31% maximum

VA Loans

No strict maximum DTI
Guideline: 41% or less
Higher DTI accepted with residual income

Tips to Lower Your DTI

  • Pay down credit card balances
  • Avoid new debt before applying
  • Increase your income (side job, raise)
  • Consider a larger down payment
  • Choose a less expensive home