DTI Calculator

See your debt-to-income ratio and where it sits against major loan-program limits.

Principal + interest + taxes + insurance + HOA / PMI.

Front-end DTI

28.24%

Housing only ÷ income

Back-end DTI

38.82%

Housing + all debt ÷ income

Other monthly debt

$900

Where you stand

Acceptable — qualifies for most loans

  • • Conventional: typically up to 45% back-end DTI
  • • FHA: up to 43% standard, 50%+ with compensating factors
  • • VA: no hard cap; residual income test instead
  • • Jumbo: usually 43–45% max

Find out which loan programs fit your DTI

Get a personalized recommendation in about 3 minutes — free, no credit impact.

11%

When do you plan to buy a home?

Free, no obligation. Takes about 3 minutes and won't affect your credit.

Need help understanding your results?

Our mortgage experts can walk you through your options, explain the numbers, and help you find the best loan for your situation.