Estimate your front-end and back-end debt-to-income ratios and see how they compare to common mortgage guidelines.
This is a planning tool — real approvals depend on the full file.
Enter Your Numbers
Your Estimated DTI
Front-End DTI (Housing Only)
0.0%
Housing / Income
Back-End DTI (Housing + Debts)
0.0%
(Housing + Debts) / Income
How Lenders May View This
FHA: Often around 31% front-end / 43–50% back-end with strong compensating factors.
Conventional: Often targets up to ~45% back-end, sometimes up to 50% with strong files.
VA & USDA: Consider overall risk and residual income — not just one number.
These are general reference points. Actual approvals depend on the full file, credit, assets, property, and AUS findings.
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