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
Before taxes, all borrowers combined
Cars, student loans, minimum credit card payments, child support
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)
Back-end DTI (housing plus debts)
Headroom
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.
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Open calculatorFrequently asked questions
What's the difference between front-end and back-end DTI?
What's the maximum DTI to qualify for a mortgage?
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See the home price you can comfortably afford based on income, debts, and target debt-to-income ratio.
Open calculatorClosing Costs Calculator
Estimate the cash you will need at the closing table beyond your down payment.
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Compare renting versus buying over 5, 7, and 10 years. Surfaces the breakeven year in plain English.
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