Debt-to-Income Ratio Calculator
Two ratios decide mortgage approvals: housing-only (front-end) and all debts (back-end). Know yours before applying.
Back-end DTI
34.4%
- Front-end (housing only)
- 26.3%
- Underwriter read
- Excellent
How the Debt-to-Income Ratio Calculator works
The calculation follows the standard method used across the US — no shortcuts, no hidden assumptions. Here is exactly what happens behind the scenes:
Frequently Asked Questions
What DTI gets approved?
Conventional loans prefer ≤36%, allow to 43–45% with strong credit/compensating factors; FHA tolerates into the low 50s with mitigants.
Which debts count?
Minimum required payments: cards, autos, student loans, child support, and future housing payment. Utilities/subscriptions don't count.
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