The number lenders quietly obsess over.
DTI is debts divided by income. The lower, the better. We'll show you both your front-end (housing only) and back-end (everything) ratio, plus where you land on the spectrum.
Your monthly numbers
Before taxes
Mortgage / rent + taxes + insurance + HOA
Front-end DTI
28.2%
Housing ÷ income
Back-end DTI
39.4%
All debts ÷ income
Total monthly debt
$3,350
Where you stand
Healthy
Most conventional loans cap DTI here. You're in the qualifying range.
Quick reference
≤ 36%
Strong
Sweet spot for most lenders
37–43%
Healthy
Standard conventional cap
44–50%
Stretched
Some programs still work
> 50%
Tight
Let's build a plan
This calculator is provided for informational and educational purposes only and is intended to illustrate potential scenarios based on user-selected assumptions. The results are estimates and do not constitute a loan offer, credit advertisement, commitment to lend, or guarantee of financing. Actual loan terms, interest rates, fees, APR, and monthly payments may vary based on credit qualifications, property characteristics, loan program, and other underwriting factors. Please contact us for information regarding available loan products, current rates, and applicable disclosures.
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