Debt-to-Income (DTI) & Loan Qualification Checker
Front-end and back-end DTI with lender risk indicators.
Open the Interactive CalculatorHow It's Calculated
Front-End DTI = Housing Payment ÷ Gross Monthly Income.
Back-End DTI = (Housing Payment + Other Monthly Debt) ÷ Gross Monthly Income.
Example
Example: $7,000 gross monthly income, $1,800 housing payment, $500 other debt → front-end DTI 25.7%, back-end DTI 32.9% — comfortably within conventional lending limits.
Frequently Asked Questions
What DTI do I need to qualify for a mortgage?
Most conventional lenders want back-end DTI at or below 36–43%; FHA loans can go higher with strong credit and reserves.
What counts as "other debt"?
Minimum payments on credit cards, auto loans, student loans, and personal loans — not utilities or subscriptions.