Debt-to-Income Calculator
Debt-to-Income Calculator
Calculate your front-end and back-end DTI ratios to see if you qualify for conventional or FHA financing.
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Front-End DTI (Housing)
31.3%
$2,500 / $8,000 · Guideline: ≤28%
Back-End DTI (All Debts)
42.5%
$3,400 total debts / $8,000 income
Qualification Status
Qualifies Conventional & FHA
Conventional (≤43%): ✓ Pass · FHA (≤50%): ✓ Pass
How to Use This Calculator
Enter your gross monthly income and all recurring monthly debt payments — including the proposed new mortgage payment — to calculate your DTI ratio. Most conventional loans require a back-end DTI at or below 45%, though some programs allow up to 50% with compensating factors.