Debt-to-Income Ratio Calculator
See the DTI ratios lenders use to decide how much you can borrow.
Advertisement
How it works
Debt-to-income ratio is the single biggest lever in mortgage approval. The front-end ratio looks at housing alone; the back-end adds all debts. Most lenders want back-end DTI at or below 36%, with 43% a common hard ceiling.
Frequently asked questions
How do I lower my DTI?
Pay down or pay off installment loans, avoid taking on new debt before applying, and increase documented income. Even closing out one car loan can move the ratio meaningfully.
Advertisement