Qualifying

Debt-to-Income (DTI) Calculator

Check your front-end and back-end debt-to-income ratios against the caps lenders use for conventional, FHA, and VA loans.

Gross Monthly Income

Before taxes; include all borrowers

Proposed Housing Payment (PITI)

Principal, interest, taxes, insurance, HOA, and mortgage insurance

Monthly Debts

Car Payments

Credit Card Minimums

Student Loans

Other Debt (alimony, personal loans)

Results

Back-End DTI

33%

Housing payment plus all monthly debts

Front-End DTI

25%

Total Monthly Obligations

$3,300

A back-end ratio of 33% is under 36%, which lenders treat as strong. You should have your pick of programs and pricing.

Lender caps

Conventional45% typical, 50% max

FHAUp to 56.9% with automated approval

VA41% guideline, no hard cap

Get pre-qualified with these numbers

Carries these figures into the 2-minute form. No credit pull.

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Other calculators

Conventional FHA VA Refinance Affordability Extra Payment Rent vs Buy Blended Rate

FAQ

DTI Calculator Questions

Straight answers from a California mortgage broker.

Front-end DTI is your proposed housing payment divided by gross monthly income. Back-end DTI adds every other monthly debt on your credit report: car loans, credit card minimums, student loans, alimony, and personal loans. Lenders qualify on the back-end number.

Conventional loans typically cap at 45% and can reach 50% with strong compensating factors. FHA allows up to 56.9% with automated underwriting approval. VA has no hard cap; 41% is the guideline and higher ratios need residual income to support them.

Any recurring obligation on your credit report or court order: minimum card payments, auto and student loans, personal loans, child support, and alimony. Utilities, insurance, and groceries do not count.

Pay off a small loan entirely (the whole payment disappears), pay cards below their minimums, avoid new credit, or add a co-borrower's income. Even a $200 monthly reduction can move you into a better program.

Want the Real Numbers?

Calculators estimate. A two-minute pre-qualification gets you rates from 100+ lenders for your exact situation.

Get Pre-Qualified (714) 399-6361

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: September 2026