Debt-to-Income (DTI) Calculator
Lenders approve or decline largely on DTI. See your front-end and back-end ratios and which loan programs you fit.
Monthly income
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$
Monthly debt payments
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$
$
$
Front-end DTI (housing only)
0%
Housing payment ÷ gross income
Back-end DTI (all debt)
0%
Housing + all debts ÷ gross income
Enter your numbers above.
ConventionalTarget 28% / 36%. Max ~45% back-end with strong credit.
FHAUp to 31% / 43%, sometimes 50% with compensating factors.
VANo hard front-end cap; ~41% back-end guideline, residual-income tested.
Guideline estimates for 2026. Actual approval depends on credit score, reserves, residual income and lender overlays. Not a loan offer or financial advice.
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