Debt-to-income (DTI) compares your monthly housing costs and other debts to your gross monthly income. Lenders look at front-end DTI (housing only) and back-end DTI (housing plus debts).

What DTI do lenders look for?

Targets vary by program and AUS findings. Conventional often aims near 45% back-end (sometimes higher with strong factors). FHA baseline is about 31% front-end / 43% back-end but can go higher. VA emphasizes residual income with ~41% as a guide. USDA commonly references ~29/41.

No. This tool provides planning estimates only. Final approval depends on a full application, credit, property, AUS findings, residual income (for VA), and lender guidelines.

DTI (Debt-to-Income) Calculator | Home & Mortgage Finder

Calculator

DTI — debt-to-income estimator

See your front-end & back-end DTI, program fit (Conventional/FHA/VA/USDA), and the max price you could target by a chosen DTI. Includes taxes, insurance, MI, and HOA.

Income input

Borrower income Gross income before taxes.

Co-borrower income (optional)

Housing entry

Auto loans ($/mo)

Student loans ($/mo)

Credit cards minimums ($/mo)

Other monthly debts ($/mo) Personal loans, child support/alimony, etc.

Home price

Down payment (%)

Interest rate (APR %)

Loan term (years)

Property taxes (% of price)

Homeowners insurance ($/mo)

HOA dues ($/mo, optional)

Mortgage insurance (annual %) Used if down < 20% (or for FHA/USDA per program).

Target back-end DTI (%) Used to estimate a max price you might target.

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Your snapshot

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Front-end (housing ÷ income)

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Back-end (housing + debts ÷ income)

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Housing payment (PITI+MI+HOA)

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P&I

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Taxes + Ins + MI

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Other monthly debts

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Max payment by target DTI

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Estimated max loan

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Estimated max price

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These are planning estimates; actual approvals depend on full underwriting, automated findings, and (for VA) residual income rules. Not a credit decision or commitment to lend.