Debt-to-Income (DTI) Calculator

Mortgage & Loan Qualification Eligibility

1. Monthly Gross Income (Before Taxes)

Monthly Gross Salary ($):

Other Income (Bonus, Rental) ($):

2. Front-End Housing Expenses

Rent / Mortgage Payment ($):

Property Taxes & Insurance ($/mo):

HOA / Condo Fees ($/mo):

3. Non-Housing Monthly Debts

Auto Loan Payments ($/mo):

Student Loan Payments ($/mo):

Credit Cards Minimums ($/mo):

Other Recurring Debts ($/mo):

DTI Approval Status

Back-End (Total) DTI Ratio

33.8%

✅ Excellent (Within 36% Guideline)

Total Monthly Income:$8,000 / mo

Front-End Housing DTI:25.0% (Limit: 28%)

Total Housing Expenses:$2,000 / mo

Total Non-Housing Debts:$700 / mo

Frequently Asked Questions

• Front-End DTI (Housing Ratio): Percentage of monthly gross income spent solely on housing costs (Mortgage P&I, Taxes, Insurance, HOA). Standard rule: ≤ 28%.
• Back-End DTI (Total Debt Ratio): Percentage of monthly gross income spent on ALL debts combined (Housing + Auto loans + Student loans + Credit cards). Standard rule: ≤ 36%.

• Conventional Loans (Fannie Mae / Freddie Mac): Usually up to 43% (up to 45%-50% with high credit scores).
• FHA Loans: Up to 43% standard, and up to 50% with compensating factors.
• VA Loans: 41% benchmark benchmark guideline.