Your Income & Debts
Monthly Gross Income
$
$
Proposed Mortgage Payment
Est. Monthly Mortgage (P&I)
Property Tax + Insurance / mo
Existing Monthly Debt Payments
Car loan(s)
Student loans
Credit card minimums
Personal loan
Child support / alimony
Other monthly debt
Total existing debts / mo
$—
Your DTI Analysis
Front-end DTI
—%
Housing only ÷ income
—
Back-end DTI
—%
All debts ÷ income
—
—
—
Qualification by loan type
Conventional
45%
—
FHA Loan
50%
—
VA Loan
41%
—
USDA Loan
41%
—
Jumbo Loan
38%
—
Max mortgage payment at each threshold
Conservative (36% back-end)
$—/mo
Standard (43% back-end)
$—/mo
Maximum (50% back-end)
$—/mo
Your proposed payment
$—/mo
How to improve your DTI
1
Pay off your smallest debt first
Eliminating a $—/mo payment drops your back-end DTI by —%
2
Increase your income
Adding $—/mo gross income would bring your back-end DTI to 43%
3
Reduce your target mortgage payment
Lowering your mortgage payment to $—/mo would hit the 43% threshold
4
Pay down credit card balances
Minimum payments drop significantly once balances fall below 30% of your credit limit — boosting your DTI and credit score simultaneously
DTI thresholds shown are general guidelines. Actual lender requirements vary based on credit score, loan-to-value ratio, cash reserves, and lender overlays. Some lenders approve borrowers above these thresholds with compensating factors. Consult a licensed mortgage professional for a personalized assessment.
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