Mortgage Tools
Debt-to-Income DTI Calculator
Front-end and back-end DTI ratios in seconds — see exactly where you stand before you apply.
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Gross Monthly Income
$
Use total gross income — before taxes, not take-home pay. For self-employed, use 2-year average from tax returns.
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Proposed Housing Payment
$
$
$
$
$
PMI applies to conventional loans with less than 20% down. VA loans have no PMI.
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Monthly Debt Obligations
Car Payment(s)
$
Student Loans
Use 1% of balance if in deferment (FHA/conv rule)
$
Credit Card Minimums
$
Child Support / Alimony
$
Other Monthly Debts
$
Back-End DTI Ratio
—
of gross monthly income goes to all debts
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Front-End DTI
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Back-End DTI
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Total Housing PITI
—
Total Monthly Debt
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Loan Type
Max DTI
Status
Conventional
45%
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FHA
50%
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VA
41% guideline
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USDA
41%
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What Does Your DTI Mean?
Front-End DTI — just your housing payment divided by gross income. Most lenders want this below 28–31%.
Back-End DTI — ALL monthly debts (housing + car + student loans + cards) divided by income. This is what lenders focus on most.
Every $200/month in debt reduces your buying power by roughly $40,000. Paying off a car loan before buying can make a significant difference.
VA loans have a 41% guideline but lenders regularly approve above that with strong compensating factors — residual income plays a bigger role than DTI on VA loans.
Want to Know Your Real Buying Power?
Your DTI is one piece. A Quazel Loan Officer reviews your full picture and tells you exactly what you qualify for — no cost, no commitment.
Results are estimates based on standard qualifying ratios. Actual approval depends on credit score, loan type, lender overlays, and compensating factors. This calculator does not constitute a loan commitment or pre-approval. Quazel Mortgage · NMLS #2133626 · Licensed in UT, ID, FL, CO.