Debt-to-Income (DTI) Calculator
Understand your borrowing power. Calculate your DTI ratio and see if you qualify for different loan programs—all in real-time.
Select Your Loan Program
Choose the loan type that best fits your situation.
Your Privacy Matters
This calculator is for estimation only. Your data is processed locally and is never stored or shared.
Housing Expenses
Monthly Debt Payments
Gross Monthly Income
Your income data is crucial for accurate DTI and is never stored or shared.
Your DTI Results
Housing costs ÷ Gross income
All debts ÷ Gross income
May not qualify
Your DTI exceeds CONVENTIONAL guidelines. Consider paying down debt or increasing income before applying for this program.
Frequently Asked Questions
Why DTI Matters
Your Debt-to-Income (DTI) ratio is one of the most important factors lenders consider when evaluating your mortgage application. It directly impacts whether you qualify for a loan, how much you can borrow, and what interest rate you'll receive.
What Lenders Look For
- •Lower DTI is better: A lower ratio shows you have room in your budget for a mortgage payment
- •Front-end ratio matters most: Shows your ability to handle housing costs specifically
- •Back-end ratio is important too: Shows your overall debt management ability
- •Different programs, different limits: Not all loan programs have the same DTI requirements
If your DTI is above your target range, don't worry. You have options: pay down existing debts, increase your income, look at less expensive properties, or save for a larger down payment. Even small improvements can make a big difference in your borrowing power.