Debt-to-Income (DTI) Calculator
DTI is the first thing an underwriter checks. See your front-end and back-end ratios against the standard 28/36 guideline — and where you stand before you shop for a home.
Use gross income (before taxes), not take-home. Housing payment should be the full PITI — principal, interest, taxes, insurance — plus PMI/HOA if any.
Ready to make it official? Start a pre-approval
Your DTI ratios
Front-end (housing only)
25.9%
Within the 28% guideline. Standard guideline: ≤ 28% of gross income on housing.
Back-end (all debts)
32.9%
Within the 36% guideline. Standard guideline: ≤ 36% of gross income on housing + all debts.
Some loan programs allow higher ratios with compensating factors (reserves, strong credit). These are guidelines, not hard ceilings — a real pre-approval looks at the full picture.
Note: This estimator provides a rough affordability picture only. It is NOT a pre-approval, pre-qualification decision, or commitment to lend. Only a licensed loan officer reviewing your full application can determine what you qualify for.
Important: All calculations on this site are estimates for educational purposes only and do not constitute a loan offer, approval, or commitment to lend. Your actual rate, payment, and terms depend on credit approval and will be provided by your loan officer.
How this works
- Front-end ratio = housing payment ÷ gross monthly income. The 28% guideline is the conventional-loan starting point.
- Back-end ratio = (housing payment + all other monthly debts) ÷ gross monthly income. The 36% guideline covers everything.
- Lenders use minimum monthly payments on debts — not balances. A $40,000 student loan with a $350 payment counts as $350.
Want a human to check whether your ratios work for a real approval? Ask me — it's free.