Debt-to-Income (DTI) Ratio Calculator
Incomes (Before Tax)
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Interest, capital gain, dividend, rental income...
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Gift, alimony, child support...
Debts / Expenses
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Personal loan, child support, alimony, etc.
📋 DTI Calculation Formulas
Overall DTI Ratio
DTI = (Total Monthly Debts ÷ Total Monthly Income) × 100
This is your complete debt-to-income ratio including all monthly obligations.
Front-End DTI Ratio
Front DTI = (Housing Expenses ÷ Gross Monthly Income) × 100
Includes only housing costs: mortgage, property tax, insurance, HOA fees.
Back-End DTI Ratio
Back DTI = (All Monthly Debts ÷ Gross Monthly Income) × 100
Includes all debts: housing, credit cards, loans, and other obligations.
🏦 Lending Standards
Conventional Loans:
Front ≤ 28%, Back ≤ 36%
FHA Loans:
Front ≤ 31%, Back ≤ 43%
VA Loans:
No front ratio limit, Back ≤ 41%
USDA Loans:
Front ≤ 29%, Back ≤ 41%