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Calculate your DTI ratio for mortgage qualification. See front-end and back-end ratios with lender guidelines.
Debt-to-income ratio (DTI) is how lenders measure your ability to manage monthly payments. It's your total monthly debt payments divided by gross monthly income. Most mortgages require DTI under 43%.
Before taxes
Bonuses, side income, etc.
Monthly amount
Personal loans, etc.
Back-End DTI
44.5%
Front-End DTI
31.1%
Fair
Monthly Income
$7,083
Gross
Total Debt Pmts
$3,150
Available
$0
For new debt
31.1%
Fair
44.5%
High
$3,150
of $7,083 income
$0
To stay under 43%
Your DTI is high. You may need to pay down debt or increase income before qualifying for a mortgage.
QM DTI Limit
43%
Ideal Front-End
<28%
Ideal Back-End
<36%
FHA Max
50%
Source: CFPB Qualified Mortgage Standards
Typical mortgage applicant with existing debts
Calculate front-end DTI (housing only)
$2,200 ÷ $7,083 × 100= 31.1%
Calculate back-end DTI (all debts)
($2,200 + $400 + $350 + $200) ÷ $7,083 × 100= 44.5%
Result:
31.1% front-end, 44.5% back-end DTI
“I thought my income was too low for a mortgage, but calculating DTI showed I was actually at 32%. Got approved on my first application.”
— Maria S., Arizona
Learn more about how we calculate and our editorial standards.