Calculate your DTI ratio for mortgage qualification. Know your front-end and back-end DTI before applying for a home loan. Most lenders require under 43%.
Monthly Income & Debts
💵 Gross Monthly Income
$
$
$
🏠 Monthly Housing Costs (proposed)
$
$
$
$
$
💳 Other Monthly Debt Payments
$
$
$
$
Back-End DTI
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—
Front-End DTI
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Gross Income
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Total Housing
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Total Debts
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Mortgage Status
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Gross Monthly Income
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Total Housing Costs
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Front-End DTI (housing only)
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Other Monthly Debts
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Total All Debts
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Back-End DTI (all debts)
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Conventional Loan Limit
43% back / 28% front
FHA Loan Limit
57% back / 31% front
FAQ
What is DTI ratio?
Debt-to-Income Ratio = Total Monthly Debt Payments ÷ Gross Monthly Income × 100. It measures how much of your income goes to debt payments. Lenders use DTI to assess loan qualification and risk.
What is front-end vs back-end DTI?
Front-end (housing ratio): Housing costs only ÷ Income. Back-end (total DTI): All monthly debts ÷ Income. Most lenders want front-end ≤28% and back-end ≤43% for conventional loans.
What DTI is needed for a mortgage?
Conventional: back-end ≤43% (ideally ≤36%). FHA: ≤57% with compensating factors. VA loans: no strict limit but 41% preferred. Jumbo loans: ≤43%, often ≤38%. Lower DTI = better rates.
How can I improve my DTI?
Pay down debts (especially credit cards and car loans), increase income, avoid taking new debts before applying, pay off installment loans, and consider a co-borrower with lower DTI.