Debt-to-Income Calculator
Calculate your debt-to-income (DTI) ratio and see if you qualify for a mortgage or loan.
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Frequently Asked Questions
What is a good debt-to-income ratio?
Below 36% is considered good. Most conventional mortgage lenders require a DTI of 43% or less. The best mortgage rates go to borrowers with DTI below 28%. FHA loans allow DTI up to 50% with compensating factors like excellent credit or large down payment.
How do I lower my debt-to-income ratio?
To lower DTI: (1) pay down existing debts, especially high minimum payment balances, (2) increase income through a raise, second job or freelance work, (3) avoid taking on new debt before applying for a loan. Even paying off a small $200/month debt can meaningfully shift your DTI.
What is front-end vs back-end DTI?
Front-end DTI includes only housing costs (mortgage/rent, taxes, insurance) divided by income. Back-end DTI includes all monthly debt payments. Conventional lenders prefer front-end DTI below 28% and back-end below 36%. FHA uses 31%/43% guidelines.