Debt-to-Income (DTI) Ratio Calculator

Calculate your DTI ratio to understand your mortgage qualification status. Check both front-end and back-end ratios for conventional, FHA, and VA loans.

💰 Monthly Gross Income

Enter gross rental income; we'll calculate 75%

Dividends, alimony, child support, etc.

🏠 Monthly Housing Expenses

💳 Monthly Debt Payments

DTI Analysis

Front-End Ratio (Housing)

0%

Target: ≤ 28% (Conventional)

Back-End Ratio (Total Debt)

0%

Target: ≤ 36% (Conventional)

Loan Qualification Status

Conventional -
FHA -
VA -
Total Income: $0
Housing Costs: $0
Other Debts: $0
Total Debt: $0

💡 Improvement Tips

🏠 Max Home Affordability

Max Monthly Payment (28% rule)

$0

Available for New Housing

$0

📊 Understanding DTI Ratios

Front-End Ratio (Housing Ratio)

Compares monthly housing costs to gross monthly income. Includes principal, interest, taxes, insurance, and HOA fees.

Back-End Ratio (Total DTI)

Compares all monthly debt payments to gross monthly income. Includes housing costs plus all other recurring debt.

Why It Matters

Lenders use DTI ratios to assess your ability to manage monthly payments and repay debts. Lower ratios mean better loan terms.

🏦 Loan Type Requirements

Conventional Loans

Front-End: ≤ 28% | Back-End: ≤ 36%

May go up to 45% with compensating factors

FHA Loans

Front-End: ≤ 31% | Back-End: ≤ 43%

More flexible for first-time buyers

VA Loans

No front-end limit | Back-End: ≤ 41%

Focus on residual income requirements

Frequently Asked Questions

What debts are included in DTI calculations?

Include all recurring monthly debt payments: mortgages, auto loans, student loans, credit card minimums, personal loans, child support, and alimony. Don't include utilities, groceries, or other variable expenses.

How can I improve my DTI ratio?

Pay down existing debts, increase your income, avoid taking on new debt, consider a larger down payment to reduce monthly housing costs, or look for a less expensive home.

Do lenders consider all income sources?

Most income sources count if they're regular and documentable. Rental income is typically counted at 75% to account for vacancies and maintenance. Side income may need 2 years of history.