Mortgage Debt-to-Income (DTI) Ratio Calculator
Calculate your front-end and back-end DTI ratios to see if you qualify for a mortgage.
Calculation Inputs
Calculation Results
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Enter inputs on the left and click Calculate to view results.
Formula & Methodology
Front-End = Mortgage / Income; Back-End = (Mortgage + Debts) / Income
Conventional loans typically require front-end DTI ≤ 28% and back-end DTI ≤ 36-43%.
Frequently Asked Questions
What is the maximum DTI for a mortgage?
Conventional: typically 43-45% back-end. FHA: up to 50% with compensating factors. VA: no hard limit but 41% preferred.