Debt-to-Income Calculator

Calculate your front-end and back-end debt-to-income ratios to see how lenders view your mortgage application.

Income

Gross Monthly Income ($)

Mortgage Payment (P&I) ($)

Property Tax ($)

Home Insurance ($)

HOA Fees ($)

Car Payment ($)

Student Loans ($)

Credit Cards ($)

Other Debts ($)

30.3%

Good

41.6%

Good

Gross Income$7,500

Housing Expenses$2,270

Total Debt Payments$3,120

Remaining Income$4,380

28% Front-End RuleMax: $2,100

Conventional loan standard

36% Back-End RuleMax housing: $1,850

Conservative total debt limit

43% Back-End RuleMax housing: $2,375

QM loan maximum

Front-End Ratio:

Housing costs as % of income. Target: 28% or less.

Back-End Ratio:

All debts as % of income. Target: 36% or less for best rates.

FHA Loans:

May allow up to 50% back-end with compensating factors.