All tools

Debt-to-Income Ratio

DTI for mortgage and lender qualification.

DTI ratio
41.3%
Acceptable for QM mortgages
Front-end (housing)
29.3%
Total monthly debt
$3,100
Left for everything else
$4,400

Conventional mortgage cap is usually 43 percent back-end DTI. FHA goes to 50 percent with compensating factors. Front-end (housing only) traditionally maxes at 28 percent. The lower your DTI, the better your rate.

About

Add up your monthly debts (housing, auto, student, credit cards, other). Divide by gross monthly income. The tool shows back-end DTI, front-end DTI (housing only), and how it lines up with lender thresholds.

How to use

  1. Enter gross monthly income.
  2. Add up monthly debts.
  3. Read your DTI.

FAQ

What's a good DTI?+

Below 36 percent is considered healthy. Most conventional mortgages cap back-end DTI at 43 percent. FHA goes up to 50 percent with compensating factors.