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Debt-to-Income Calculator
Debt-to-income is the ratio underwriters care about most. It compares your monthly obligations to your gross monthly income, and it's the reason two buyers with identical incomes get very different approvals.
The useful insight isn't the number itself — it's seeing which specific debt is costing you the most borrowing power.
Your numbers
Child support, personal loans, co-signed debt.
Your results
Back-end DTI
38%
Within typical conventional guidelines
- Front-end (housing) DTI
- 27.8%
- Total monthly debt
- $3,000
- Non-housing debt
- $800
- Room left at a 45% ceiling
- $555
- DTI without the car payment
- 32.3%
- DTI without credit cards
- 36.3%
Additional monthly payment you could absorb
What happens if you change this
Your back-end DTI is 38%, inside the guideline most conventional approvals use. Paying off the car payment alone would bring it to 32.3% and free up roughly $450 of monthly borrowing capacity — worth about $71,100 in additional purchase price at current rates. You currently have $555 of monthly room before hitting 45%.
Ready for real numbers?
Estimates get you oriented. A pre-approval gets you an offer sellers take seriously.
Related calculators
- Home Affordability CalculatorWork backwards from your income and comfortable payment to the price range that actually fits.
- Mortgage Payment CalculatorSee your full monthly payment — principal, interest, taxes, insurance and mortgage insurance — not just principal and interest.
- Cash to Close CalculatorThe single number that matters most at the start: how much you actually need in the bank.
- FHA vs Conventional CalculatorCompare both programs on the same house — payment, cash required, and what mortgage insurance really costs over time.
Questions people ask
- What DTI do I need to qualify?
- Many conventional approvals run to about 45%, with higher allowed for strong files. FHA is often more flexible. Your credit, reserves and down payment all influence the ceiling.
- Do utilities and groceries count?
- No. Only debts that appear on your credit report plus obligations like child support. Living expenses aren't included in DTI.
Estimates for education only — not a loan approval, rate quote, or commitment to lend. Actual figures depend on credit, property, program guidelines, and market conditions at the time of lock. Corie Adams · NMLS #1875205 · Network Funding, LP · NMLS ID #2279 · Equal Housing Opportunity.