Debt-to-Income Ratio Calculator
Calculate your front-end and back-end DTI ratios to understand how lenders view your finances. Compare your numbers against conventional, FHA, and VA loan guidelines.
Mortgage or rent + property taxes + insurance
Car loans, student loans, credit card minimums, etc.
Total DTI Ratio
34.3%
Well within typical guidelines
Front-End DTI
25.7%
Housing only
Back-End DTI
34.3%
All debts
Guideline Maximums (28/36 Rule)
Your DTI vs. Lender Thresholds
Conventional
Likely Qualifies
FHA
Likely Qualifies
VA
Likely Qualifies
Monthly Income
Gross income before taxes
Monthly Debt Payments
Required minimum payments
Planning to buy a home? Enter your expected mortgage payment to see how it affects your DTI.
Front-End Ratio (Housing)
Housing costs ÷ Gross income
Good
Guideline max: $1,820/mo
Room for $20 more in housing costs
Back-End Ratio (Total Debt)
All debts ÷ Gross income
Acceptable
Guideline max: $2,340/mo
Mortgage Qualification Assessment
Based on these inputs, here is how DTI ratios compare to typical loan program guidelines. Actual approval depends on many factors including credit score, down payment, and reserves.
Conventional
UnlikelyBack-end DTI of 41.5% exceeds the 36% guideline.
FHA
Likely QualifiesYour DTI ratios are within FHA loan guidelines.
VA
May QualifyVA loans allow up to 41% DTI with residual income requirements.
Monthly Income
$6,500
Total Monthly Debt
$2,700
Available After Debt
$3,800
Debt Capacity Left
$0
Understanding DTI Ratios
Front-End Ratio (Housing)
Measures what percentage of gross monthly income goes toward housing costs, including mortgage principal, interest, property taxes, and insurance (PITI).
≤28% — Ideal for most lenders
29–31% — Acceptable with compensating factors
>31% — May face stricter requirements
Back-End Ratio (Total Debt)
Measures what percentage of gross monthly income goes toward all debt payments, including housing plus car loans, student loans, credit cards, etc.
≤36% — Ideal for conventional loans
37–43% — May qualify for FHA
>43% — Limited options, may need to reduce debt
Note: DTI is just one factor lenders consider. Credit score, down payment, employment history, and cash reserves also significantly impact mortgage approval. These guidelines are general — specific lenders may have different requirements.
About This Analysis
This calculator provides estimates based on the inputs you supply. It assumes standard amortization and does not account for taxes, insurance, PMI, prepayment penalties, or the opportunity cost of funds. Results are for informational and educational purposes only and should not be considered financial advice. Consult a qualified professional before making financial decisions.
- ·DTI ratios are one of many factors lenders evaluate.
- ·Actual loan qualification depends on credit score, down payment, reserves, and lender-specific guidelines.
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Also Consider
Quick Reference
- Closing Cost BreakdownTypical fees and who pays what
- PMI Thresholds & RatesWhen PMI applies, typical rates, removal rules
- Conforming Loan Limits2025 limits by county (FHA, conventional, jumbo)
- Current Mortgage Rates30-year, 15-year, ARM averages by credit score
- Mortgage Tax DeductionsWhat's deductible, limits, phase-outs
- Property Tax Rates by StateAverage effective rates and exemptions
Insights
7 calculators · 6 reference pages