Real Estate
Debt-to-Income Ratio Calculator
Lenders use DTI to decide if you can afford a payment. Front-end (28%) is housing only; back-end (36-43%) is all monthly debt.
Back-end DTI
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- Front-end DTI
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- Total monthly debt
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- Qualifying status
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FAQ
Hard DTI cap? +
Conventional: 50% max. FHA: 56.9%. VA: 41% (with compensating factors much higher). Lower is always better.
Can I qualify if I am tight? +
Yes — pay off a car loan, add a co-borrower, increase down payment, or buy less house. All proven moves.