Buying a Home

Debt-to-Income (DTI) Calculator

Calculate your front-end and back-end debt-to-income ratios. Lenders use DTI to decide how much mortgage you can handle — find out where you stand before you apply.

Debt-to-Income Calculator

Front-End DTI
30.0%
Excellent
Housing only
Back-End DTI
41.3%
Good
All debts
DTI Breakdown
0%36% ideal43%50%
Loan Program Qualification
Conventional
Likely qualifies
Max 45% back-end
FHA
Likely qualifies
Max 43% back-end
VA
Over limit
Max 41% back-end
USDA
Over limit
Max 41% back-end

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