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Debt-to-income ratio (DTI) measures how much of your gross monthly income goes toward debt payments. Lenders use two ratios: the front-end DTI (housing costs only) and the back-end DTI (all debts). A front-end DTI below 28% and back-end below 36% is generally considered good for mortgage approval, though many lenders allow up to 43%.
Review the inputs carefully and treat the output as an estimate. For decisions involving money, taxes, health, law, or security, compare the result with trusted professional guidance when needed.
What DTI is needed to qualify for a mortgage?
Most conventional loans require a back-end DTI of 43% or less. FHA loans may allow up to 50% with compensating factors. A lower DTI generally means better loan terms.
What counts as debt in DTI?
DTI includes all recurring monthly obligations: mortgage/rent, car loans, student loans, credit card minimum payments, and other installment loans. Utilities and groceries are not included.
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