Debt-to-Income Calculator
Calculate your front-end and back-end DTI ratios to understand what loan programs you may qualify for.
Monthly Income
Include bonuses, alimony, rental income, etc.
Monthly Debts
Front-End DTI
30.0%
Housing / Income
Back-End DTI
44.2%
Total Debts / Income
Assessment
Elevated — may qualify with strong AUS/compensating factors
Typical DTI Ranges by Loan Program
These are general guidelines only. Actual DTI limits depend on AUS findings, compensating factors, lender overlays, and your full risk profile.
| Program | Front-End | Back-End | Notes |
|---|---|---|---|
| Conventional | 28% | 45–50% | Varies by AUS findings, credit, and reserves |
| FHA | 31% | Varies | Depends on underwriting method and compensating factors |
| VA | None | No hard max | Residual income test; underwriter discretion applies |
| USDA | 29% | 41% | Standard guidelines; exceptions possible with GUS approval |
| DSCR | N/A | N/A | Qualifies on property cash flow, not personal DTI |
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Understanding DTI Ratios
Front-End vs. Back-End DTI
Front-end DTI measures your proposed housing payment (PITIA) as a percentage of gross monthly income. Back-end DTI includes all monthly debt obligations — housing plus auto loans, student loans, credit cards, and any other recurring debts.
Why DTI Matters
Lenders use DTI as one of several factors to assess your ability to handle monthly payments. A lower DTI generally improves your chances of approval and may give you access to more competitive pricing. However, DTI is not the only factor — credit score, reserves, residual income, and compensating factors all influence the decision.
Important Caveats
DTI limits are not absolute thresholds. They vary by loan program, lender, automated underwriting system (AUS) findings, and your overall financial profile. The guidelines shown above are general ranges — your specific situation may qualify for different treatment. This calculator is educational only and does not constitute a pre-approval.
Calculator results are estimates only and are not a loan approval, offer to lend, or guarantee of rate, payment, or terms. Actual payment, rate, fees, and loan terms may vary based on borrower qualifications, lender guidelines, taxes, insurance, and other factors. Scout Financial Group Inc DBA Airus Lending is a licensed mortgage broker (NMLS #2187418).
DTI FAQs
It varies by program. Conventional loans commonly allow up to 45–50% with strong automated findings. FHA and VA offer flexibility depending on compensating factors and underwriting path. There is no universal maximum — it depends on your complete financial picture.