DTI Calculator
Calculate your debt-to-income ratio to see if you qualify for a mortgage. Understand the 28/36 rule and check against lender guidelines.
Your Financial Info
Before taxes and deductions
Bonuses, rental income, side income
Rent or current mortgage (PITI)
Auto loans or leases
Minimum monthly payments
Personal loans, child support, alimony
Your DTI Ratios
Lender Guidelines Comparison
| Loan Type | Front-End Limit | Back-End Limit | Your Status |
|---|---|---|---|
| Conventional | 28% | 36% | ✓ Qualifies |
| FHA | 31% | 43% | ✓ Qualifies |
| VA | - | 41% | ✓ Qualifies |
| Jumbo | 28% | 43% | ✓ Qualifies |
* These are general guidelines. Actual approval depends on credit score, down payment, reserves, and other factors.
Understanding DTI Ratios
Your debt-to-income ratio is one of the most important factors lenders consider when approving a mortgage. Here's what you need to know.
What is Front-End DTI?
Front-end DTI (housing ratio) measures only your housing costs as a percentage of income. It includes principal & interest, property taxes, homeowner's insurance, and PMI if applicable.
Most conventional lenders want this ratio at or below 28%.
What is Back-End DTI?
Back-end DTI (total debt ratio) includes all monthly debt obligations: housing costs, car loans, student loans, credit card minimums, and personal loans.
Conventional lenders typically want this at or below 36%, though some allow up to 43-50% with compensating factors.
The 28/36 Rule
The 28/36 rule is a traditional lending guideline:
- 28%: Maximum housing costs as % of gross income
- 36%: Maximum total debt as % of gross income
FHA loans allow up to 31/43, and some lenders approve ratios as high as 50% with strong compensating factors.
How to Improve Your DTI
If your DTI is too high, consider:
- Pay down debt: Focus on credit cards first
- Increase income: Ask for a raise or side work
- Avoid new debt: Don't open new credit accounts
- Choose a less expensive home
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