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Debt-to-Income
Calculator

Estimate the two ratios mortgage lenders review: the share of gross income going toward the proposed housing payment and the share going toward housing plus recurring debts.

GROSS MONTHLY INCOME

Income before taxes

Use stable income you reasonably expect a lender to document. Do not enter annual income.

Your gross income

Co-borrower income

Other qualifying income

For example, documented pension or support income

PROPOSED HOUSING PAYMENT

Build the full payment

Use the payment for the home you are considering—not your current rent. Include every required housing component.

Principal + interest

Property taxes

Homeowners insurance

Mortgage insurance

HOA / condo dues

MONTHLY DEBT PAYMENTS

Use required payments

Enter monthly obligations—not account balances or ordinary living expenses such as utilities, groceries, or phone bills.

Auto loans / leases

Student loans

Credit card minimums

Personal / installment loans

Other property payments

Include retained real estate unless a lender can exclude itAlimony / child support

Other recurring debt

YOUR ESTIMATED RATIOS

0.0%BACK-END DTI

Waiting for numbers

Enter gross monthly income to calculate your ratios.

Front-end housing ratio: 0.0%
Gross monthly income: $0
Proposed housing payment: $0
Other monthly debts: $0
Total monthly obligations: $0

Explore a planning DTI: 43%

30%55%

At this planning point, estimated room for the proposed housing payment is $0.

Why DTI is evaluated differently for every borrower

There is no single debt-to-income limit that applies to every mortgage or every borrower. The result can depend on the loan program, automated underwriting findings and the strength of the complete application.

Conventional loans: Automated underwriting considers DTI together with factors such as credit history, down payment, reserves, property type and the overall risk profile.

FHA loans: FHA financing may provide additional flexibility, particularly when the automated underwriting system accepts the complete file. Credit, reserves and other compensating factors can still affect the result.

VA loans: VA underwriting places particular emphasis on residual income—the money remaining after major monthly obligations—as well as credit history and the borrower’s overall ability to repay. DTI by itself does not tell the whole story.

USDA loans: USDA generally uses more conservative affordability standards, although automated underwriting findings and documented strengths within the file may affect how the application is evaluated.

This calculator is a planning tool, not an underwriting decision. A higher or lower DTI does not by itself determine whether someone qualifies. Brian can review the complete scenario and explain which loan options may be worth exploring.

Review the numbers with Brian ↗

WHAT THE NUMBERS MEAN

DTI is important—but it is not the whole approval.

Front-end ratio

The complete proposed housing payment divided by gross monthly income.

Back-end ratio

The proposed housing payment plus recurring monthly debts, divided by gross monthly income.

Qualification

Loan program, credit, assets, reserves, income documentation, property, and automated underwriting can all affect the final decision.

Educational estimate—not a preapproval or lending decision.

The calculator uses only the numbers entered. Lenders may calculate qualifying income and debt payments differently, including student loans, revolving accounts, rental properties, support obligations, deferred debt, and liabilities paid by others. A ratio above or below a benchmark does not establish eligibility. Verify the complete scenario with a licensed mortgage professional.

Methodology: total monthly debt payments divided by gross monthly income, consistent with the Consumer Financial Protection Bureau’s DTI explanation ↗. For an example of program-specific variation, see Fannie Mae’s current DTI guidance ↗.

Debt-to-IncomeCalculator