Debt-to-Income Calculator
Debt-to-income is one of the first numbers a lender checks. Enter your gross income, the housing payment you are considering and each monthly debt to see both ratios and how much room you have.
Back-end debt-to-income
38.7%
Within common limits. Conventional and FHA loans often approve at this level.
- Housing payment32%
- Car4%
- Student loans2%
- Credit cards1%
- Rest of gross income61%
- Gross monthly income
- $15,000
- Housing payment
- $4,800
- Other monthly debts
- $1,000
- Total monthly debts
- $5,800
- Front-end ratio (housing only)
- 32.0%
- Back-end ratio (all debts)
- 38.7%
Conventional loans often allow 36% to 45%, up to 50% with strong files; FHA often allows up to 43%, sometimes higher with compensating factors; VA uses 41% as a guideline plus residual income. At 38.7%, our team can tell you which programs fit.
| Back-end limit | Typical use | Max total debts | Max housing payment with your debts |
|---|---|---|---|
| 36% | Conservative budget | $5,400 | $4,400 |
| 41% | VA guideline | $6,150 | $5,150 |
| 43% | Standard, FHA common | $6,450 | $5,450 |
| 45% | Conventional, many files | $6,750 | $5,750 |
| 50% | Conventional, strong files | $7,500 | $6,500 |
Estimates for illustration only, not a loan offer or a commitment to lend. Rates, taxes, insurance and program rules vary; our team will confirm exact figures for your situation.
How this calculator works.
The front-end ratio is the housing payment alone, including principal, interest, property tax, insurance, mortgage insurance and HOA, divided by your gross monthly income. The back-end ratio adds every other monthly debt payment.
Use minimum required payments on car loans, student loans, credit cards and other debts. Lenders use gross income before taxes, so the ratios look lower than what you take home.
Conventional loans often allow 36% to 45%, and up to 50% with strong credit and reserves. FHA often allows up to 43%, sometimes higher with compensating factors. VA uses 41% as a guideline and also looks at residual income. The table shows the housing payment that fits each limit.
Front-end DTI = housing payment ÷ gross monthly income. Back-end DTI = (housing + all debts) ÷ gross monthly income.
Common questions.
Turn the estimateinto real numbers.
Answer a few questions and our team will price your scenario with current rates and the right program.
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