Why DTI Matters

Debt-to-income ratio is the lender's measure of affordability: how much of your gross income is already committed to debt. This DTI calculator computes both the front-end (housing-only) and back-end (all debts) ratios, and checks qualification against your chosen lender limit.

Common Lending Limits

Qualified mortgages (QMs) cap back-end DTI at 43%. FHA loans allow up to 57% in some cases; conventional loans typically 36–45%; VA loans are flexible but favor ≤ 41%. Front-end limits usually run 28–31%. Know your program before applying.

Planning Your Purchase

Work backward: at a 43% back-end limit and $8,000 monthly income, you have $3,440 of total debt capacity. After existing debts, the remainder sets your maximum housing payment — which, with today's rates, determines the loan size you can carry.