DTI Calculator

Calculate your debt-to-income ratio the same way a lender does. We show both the front-end ratio (housing payment only) and back-end ratio (housing plus your other monthly debts).

Your numbers

Gross monthly income

Before taxes, all borrowers combined

Monthly debt payments

Cars, student loans, minimum credit card payments, child support

Proposed housing payment

Full PITI including taxes, insurance, HOA, mortgage insurance

Plain-English summary

Your front-end ratio is 29.5% (housing only) and your back-end ratio is 35.8% (housing plus other debts). Most conventional loans look for back-end DTI at or below 43%, with some programs going higher with strong compensating factors.

Front-end DTI (housing only)

Housing share of income29.5%

Commonly approvedConservative ≤ 28%, common ≤ 31%, lender max around 36%

Back-end DTI (housing plus debts)

All debt as share of income35.8%

ConservativeConservative ≤ 36%, common ≤ 43%, lender max around 50%

Headroom

Max housing at a 45% back-end target$3,675

That is the largest housing payment that would keep your total DTI at or under 45%, given your other monthly debts. Specific programs vary; FHA and VA often allow higher.

Results are estimates based on user inputs and do not represent loan terms, APR, or a financing offer. Pre-filled values are illustrative examples, not available or quoted rates. Actual terms depend on credit, property, program, and underwriting. Every result applies to the entered planning scenario, not an observation period or local market statistic. Replace price, tax, insurance and fee allowances with dated, property-specific figures. Missing inputs are not assumed to be zero.

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Frequently asked questions

What's the difference between front-end and back-end DTI?

Front-end DTI is housing-only (PITI plus HOA) divided by gross monthly income. Back-end DTI adds in all other monthly debts. Lenders look hardest at back-end DTI.

What's the maximum DTI to qualify for a mortgage?

Most conventional loans cap back-end DTI around 45–50%. FHA can go higher with compensating factors. The exact ceiling depends on your full file.

Related glossary terms

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Want the story behind the numbers?

ArticleWhat does pre-approval actually mean?How DTI fits into a real preapproval review.Read
Try: Can I qualify?
ArticleWhat credit score do you really need?The other big underwriting lever sitting next to DTI.Read
Try: Credit score impact
ArticleHow much house can you actually afford?What your DTI room translates to in home price.Read
Try: Affordability

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