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Debt-to-Income (DTI) Calculator
DTI compares your monthly debt obligations to your gross monthly income. Lenders often look at both a front-end (housing only) and back-end (total debt) ratio.
Front-end DTI = proposed housing payment ÷ gross monthly income. Back-end DTI = (housing + other monthly debt) ÷ gross monthly income.
Uses stated gross income and stated recurring monthly debts. Does not model rental income, bonuses, or non-recurring obligations.
Program-specific DTI limits vary by loan program, automated underwriting findings, and compensating factors. Use as a directional check, not a qualification decision. Read the conventional loan requirements guide for underwriting context.
Last reviewed: pending review
Related guides and calculators
- Conventional Loan Requirements: Credit, DTI and Down Payment | Conventional.Loans
See how conventional loan credit, DTI, down payment, income and reserve requirements differ by underwriting method and program.
- Home Affordability Calculator
Estimate a purchase price range from income, debts, and a DTI cap you can edit.
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