Debt-to-Income Ratio Calculator

Instantly calculate your front-end and back-end DTI ratio and find out if you qualify for a conventional, FHA, or VA mortgage.

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DTI Calculator

Front-end & back-end ratios for mortgage qualification

Monthly Gross Income ($) Before taxes and deductions

Monthly Mortgage / Rent ($) PITI: principal, interest, taxes, insurance

Car Payments ($)

Student Loans ($)

Credit Cards (min. payment) ($)

Other Monthly Debts ($)

Your DTI Results

Front-End DTI

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Back-End DTI

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Total Monthly Debts

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Max Mortgage (conv.)

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Loan Qualification Status

Conventional (28% / 43%) —

FHA (31% / 43%) —

VA (41% back-end) —

Available Monthly for New Mortgage —

How DTI Ratio Works

Your Debt-to-Income (DTI) ratio is one of the most important factors lenders use to evaluate mortgage applications.

Front-End DTI

Housing costs only (mortgage, taxes, insurance) ÷ gross income. Conventional limit: 28%

Back-End DTI

All monthly debt payments ÷ gross income. Conventional limit: 43%

Frequently Asked Questions

What is a good DTI ratio for a mortgage? +

Most lenders prefer a back-end DTI below 36%. Conventional loans allow up to 43%, and FHA loans can accept up to 50% in some cases with compensating factors. The lower your DTI, the better your rate and terms.

How do I lower my DTI ratio? +

You can lower DTI by increasing income (new job, side income, bonus), paying down debts before applying, or choosing a less expensive property. Avoid opening new credit lines before applying for a mortgage.

Does DTI affect my interest rate? +

Yes. A high DTI signals more financial risk to lenders, which can result in a higher interest rate or outright loan denial. DTI below 36% typically qualifies for the best rates.