Debt Ratio Calculator

Incomes

   Salary & Earned Income /
  Pension & Social Security /
  Investment & Saving / interest, capital gain, dividend, rental income...
  Other Income / gift, alimony, child support, tax return...

Debts/Expenses

  Rental Cost /
  Mortgage /
  Property Tax /
  HOA Fees /
  Homeowner Insurance /
  Credit Cards /
  Student Loan /
  Auto Loan /
  Other Loan and Liability / personal loan, child support. alimony, etc.
   

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The debt income ratio (DTI) is the ratio of recurring debt vs. gross income on a monthly or annual base. Normally, there are two main types of DTI:

  1. Front-End DTI—the portion of income spent on housing, such as rental, mortgage, property tax, homeowners association (HOA) fee, etc.
  2. Back-End DTI—this including all recurring debts, including housing cost.

In the United States, lenders use DTI to qualify borrowers. Normally, the Front-End DTI/Back-End DTI limits for conventional financing are 28/43, the Federal Housing Administration (FHA) limits are 31/43, and the VA loan limits are 41 straight.