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DTI Calculator

Calculate your debt-to-income ratio and check loan program eligibility

Currency
Income

Before taxes

Housing Expenses
Monthly Debts
Front-End DTI

27.5%

Housing ratio
Back-End DTI

37.5%

Total debt ratio
Status

ACCEPTABLE

DTI Analysis
Front-End DTI27.5%
0%28%36%50%+
Back-End DTI37.5%
0%36%43%60%+
Housing Expense Breakdown
Principal & Interest(81.8%)
$1,800.00
Property Tax(13.6%)
$300.00
Insurance(4.5%)
$100.00
Loan Program Qualifications
ProgramMax DTIStatusHeadroom
Conventional (QM)43Qualified5.5%
FHA50Qualified12.5%
VA60Qualified (veteran eligibility required)22.5%
USDA41Qualified (rural location required)3.5%
Income Summary
Gross Monthly Income

$8,000.00

Total Monthly Debt

$3,000.00

Remaining Income

$5,000.00

Max Additional Debt

$440.00

Understanding Debt-to-Income Ratio

  • - Front-End DTI: Housing expenses divided by gross monthly income (typically max 28%)
  • - Back-End DTI: All monthly debt payments divided by gross monthly income (typically max 43%)
  • - Conventional (QM) loans: Maximum 43% back-end DTI
  • - FHA loans: May allow up to 50% back-end DTI with compensating factors
  • - VA loans: No front-end limit, back-end up to 60% in some cases
  • - Lower DTI ratios improve your chances of loan approval and may qualify you for better rates