What is a debt-to-income ratio?

DTI compares monthly debt payments to gross monthly income. Lenders use it to judge whether a new mortgage payment is manageable.

What is the difference between front-end and back-end DTI?

Front-end counts only the housing payment; back-end counts housing plus all other debts. Back-end is the number most programs emphasize.

What DTI do lenders look for?

It depends on the program and the rest of the file. Around 36% is generally comfortable, 43% is a common guideline, and some programs allow higher ratios with compensating factors.

Gross (before-tax) income that a lender can document and expects to continue, such as salary, some bonuses or self-employment income averaged over time.

Do utilities count as debt?

Usually not; DTI uses debts that appear on a credit report plus things like support payments.

How can I lower my DTI?

Pay down revolving balances, avoid new debt before applying, or consider a lower price range. A loan officer can show which change matters most.

Does DTI affect my rate?

It can affect eligibility and pricing in some programs. Ask a loan officer.

No. It is an educational estimate from a website provider.

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Debt-to-income calculator

Calculate front-end DTI (housing only) and back-end DTI (all debts) from gross monthly income, and see which general range the result falls in.

Estimates for illustration only. Mortgage Funnel Suite is a website and marketing provider, not a lender, broker or financial advisor; this is not an offer of credit or a rate quote. Talk to a licensed loan officer for real numbers.

How the math works

What this calculator does

1Front-end DTI = proposed housing payment ÷ gross monthly income.
2Back-end DTI = (housing payment + all other monthly debts) ÷ gross monthly income.
3Ranges shown are general guidelines; each loan program sets its own limits.

Back-end DTI = (housing + debts) ÷ gross monthly income × 100

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Calculator questions, answered

YouWhat is a debt-to-income ratio?

Funnel Suite team
DTI compares monthly debt payments to gross monthly income. Lenders use it to judge whether a new mortgage payment is manageable.
YouWhat is the difference between front-end and back-end DTI?

Funnel Suite team
Front-end counts only the housing payment; back-end counts housing plus all other debts. Back-end is the number most programs emphasize.
YouWhat DTI do lenders look for?

Funnel Suite team
It depends on the program and the rest of the file. Around 36% is generally comfortable, 43% is a common guideline, and some programs allow higher ratios with compensating factors.
YouWhat income counts?

Funnel Suite team
Gross (before-tax) income that a lender can document and expects to continue, such as salary, some bonuses or self-employment income averaged over time.
YouDo utilities count as debt?

Funnel Suite team
Usually not; DTI uses debts that appear on a credit report plus things like support payments.
YouHow can I lower my DTI?

Funnel Suite team
Pay down revolving balances, avoid new debt before applying, or consider a lower price range. A loan officer can show which change matters most.
YouDoes DTI affect my rate?

Funnel Suite team
It can affect eligibility and pricing in some programs. Ask a loan officer.
YouIs this advice?

Funnel Suite team
No. It is an educational estimate from a website provider.

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