Mortgage Debt-to-Income (DTI) Calculator
Your DTI is the #1 number lenders use to decide how much home you can buy. It's simple: your monthly debt payments divided by your gross monthly income. Know it, and you know your buying power before any lender does.
Monthly Income
Monthly Debts
Add all your recurring monthly debt payments
Back-End DTI
42.9%
All monthly debts vs. gross income
Front-End DTI
29.4%
Housing only vs. income (target: below 28%)
Where You Stand vs. Program Limits
Back-end DTI vs. real loan program limits. VA has no hard DTI cap — it uses residual income instead.
45% — Conventional (typical limit)
50% — Conventional (with strong compensating factors)
57% — FHA (maximum)
You're in range for conventional, FHA, and VA programs.
What this means for your buying power
Uses a 0.50 underwriting factor (estimated, varies by program) and a 30-yr fixed rate of 6.5% — the same rate as the Home Purchase calculator — plus estimated taxes & insurance.
Based on your income and debts, you could qualify for roughly a $3,100/mo housing payment — about $350,734 in home price with a typical down payment.
Estimate only. Actual approval depends on credit, program, rates, and full underwriting. Not a commitment to lend.
That's the estimate. Want your real number?
Your actual approval amount depends on live rates and the loan program that fits you. Takes 60 seconds — no credit impact, no sales calls unless you ask.