Debt-to-Income (DTI) Ratio Calculator

Calculate your DTI ratio to assess financial health and home affordability

💰 Income Information

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🏠 Housing Debts & Expenses

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đŸ’ŗ Other Debts & Liabilities

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📊 DTI Calculation Results

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Calculate Your DTI Ratio

Enter your income and debt information to calculate your debt-to-income ratio and see how it affects your mortgage eligibility.

📚 Understanding Debt-to-Income Ratio

What is DTI?

Debt-to-income ratio is the percentage of your monthly income that goes toward paying debts. It's a key factor lenders use to assess your ability to repay loans.

Front-End vs Back-End

Front-end DTI includes only housing costs (≤28% ideal). Back-end DTI includes all monthly debt payments (≤36% for conventional loans).

Mortgage Qualification

Conventional loans typically require DTI ≤36%. FHA loans may allow up to 43%. Lower DTI ratios improve your chances of approval and better rates.

How to Improve DTI

Increase income through raises or side jobs. Pay down existing debts. Avoid taking on new debt before applying for a mortgage.

DTI Guidelines for Mortgage Loans

Loan Type Front-End DTI Back-End DTI Notes
Conventional ≤ 28% ≤ 36% Standard requirements for most lenders
FHA Loan ≤ 31% ≤ 43% More flexible for first-time buyers
VA Loan N/A ≤ 41% For qualified veterans and service members
USDA Loan ≤ 29% ≤ 41% For rural and suburban homebuyers