Debt-to-Income Ratio Calculator
Check your front-end and back-end DTI ratios and see how lenders will view your mortgage application before you apply.
Your Income & Debts
Use monthly gross (pre-tax) amounts.
💡 Improving Your DTI
The fastest ways to lower your DTI: pay off small debts entirely (removes the minimum payment), increase income, or reduce the home price you're targeting. Even eliminating one car payment can meaningfully shift your qualification odds.
DTI Analysis
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DTI ratio guidelines by loan type
Different mortgage programs have different DTI limits. Here's a quick overview:
| Loan Type | Front-End Max | Back-End Max | Notes |
|---|---|---|---|
| Conventional | 28% | 43% | Standard guideline; some lenders go to 50% with compensating factors |
| FHA | 31% | 43–50% | More flexible; requires mortgage insurance |
| VA | No limit | 41% | For veterans; no PMI |
| USDA | 29% | 41% | Rural areas; income limits apply |
A strong credit score (740+) and significant cash reserves can sometimes allow lenders to approve higher DTI ratios as "compensating factors." Always get a pre-approval to know your exact standing. Get a free pre-qualification →
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