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Debt to Income Ratio

Check if your monthly debt load is within healthy limits — lenders use this ratio to assess your creditworthiness.

Before taxes and deductions

Monthly Debt Payments

DTI Results

Total Monthly Debt: $0
Monthly Income: $0
Debt-to-Income Ratio: 0%

DTI Breakdown

Housing (Front-end DTI): 0%
Credit Cards: 0%
Auto Loans: 0%
Student Loans: 0%
Other Debts: 0%

Financial Health Assessment

DTI Scale

Excellent
0-20%
Good
21-36%
Fair
37-43%
Poor
44%+

DTI Guidelines

Mortgage Qualification:

  • • Conventional loans: ≤ 28% front-end, ≤ 36% back-end
  • • FHA loans: ≤ 31% front-end, ≤ 43% back-end
  • • VA loans: No front-end limit, ≤ 41% back-end
  • • Jumbo loans: ≤ 28% front-end, ≤ 36% back-end

General Guidelines:

  • • Excellent: 0-20% DTI
  • • Good: 21-36% DTI
  • • Fair: 37-43% DTI
  • • Poor: 44%+ DTI

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