Debt-to-Income (DTI) Ratio Calculator: Mortgage Qualification Guide
Our Debt-to-Income (DTI) Calculator shows front-end and back-end ratios. See if you qualify for a mortgage, how much house you can afford, and lender limits.
What is DTI?
Percentage of gross monthly income going to debt payments. Two types:
- Front-End DTI: Housing only (PITI)
- Back-End DTI: All debts (housing + car, student, credit cards)
Lender DTI Limits
| Loan Type | Front-End | Back-End |
|---|---|---|
| Conventional | 28% | 36% (43% max) |
| FHA | 31% | 43% (57% w/ comp) |
| VA | — | 41% (higher w/ residuals) |
| USDA | 29% | 41% |
Ideal DTI
- ≤36%: Excellent
- 37–42%: Acceptable
- 43–49%: Risky
- ≥50%: High risk
How to Calculate
- Add gross monthly income
- List all monthly debt payments
- Divide total debt by income
- Multiply by 100 → DTI %
Example
Income: $8,000 | Housing: $2,000 | Other Debt: $1,200
- Front-End: $2,000 / $8,000 = 25%
- Back-End: $3,200 / $8,000 = 40%
Improve DTI
- Pay off small debts
- Increase income (side hustle)
- Avoid new debt
- Choose longer loan term
- Make larger down payment
DTI vs Affordability
DTI ≠ how much you can afford. Consider:
- Emergency fund
- Retirement savings
- Childcare, lifestyle
Pro Tips
- Get pre-approved early
- Include all debts (even $25 minimums)
- Don’t forget taxes & insurance
- Check credit report
Pair with Tools
Use with Loan Affordability or Mortgage Calculator.
Conclusion
DTI is key to mortgage approval. Use our DTI Calculator to qualify confidently. Explore more in Finance Calculators.