Debt-to-Income Ratio Calculator

Calculate your DTI ratio to understand your mortgage qualification chances

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Monthly Debt Payments

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Important Disclaimer

DTI ratios are one of many factors lenders consider. Actual qualification depends on credit score, employment history, down payment, and other factors. Consult with a mortgage lender for personalized advice.
Front-End DTI
24.0%
Back-End DTI
38.0%
AcceptableYou may qualify but should work on reducing debt
Total Monthly Debt:
$1,900.00
Monthly Income:
$5,000.00
Conventional Loan
Standard mortgage from banks and lenders
Max DTI: 43%
✓
FHA Loan
Federal Housing Administration insured loans
Max DTI: 50%
✓
VA Loan
Veterans Affairs loans (varies by lender)
Max DTI: 41%
✓
USDA Loan
USDA rural development loans
Max DTI: 41%
✓
  • •Pay down $100.00 of monthly debt to reach 36% DTI (good range)
  • •Focus on paying off credit card debt first (highest interest rates)

📚 Understanding Debt-to-Income Ratio

What is DTI?

Your debt-to-income ratio compares your monthly debt payments to your monthly gross income. Lenders use DTI to assess your ability to manage monthly payments and repay debts.

Front-End vs Back-End DTI

Front-end DTI: Only housing costs (mortgage/rent + insurance + taxes)
Back-end DTI: All monthly debt obligations including housing

DTI Guidelines

  • < 28%: Excellent - Easy qualification
  • 28-36%: Good - Favorable terms
  • 36-43%: Acceptable - May qualify with strong credit
  • > 43%: High - Difficult to qualify for conventional loans

Looking for more financial tools? Check out OG Preview for Preview Open Graph tags.