DTI Calculator

Calculate your Debt to Income ratio for mortgage qualification

Gross Monthly Income ($)

Proposed Mortgage P&I ($)

Property Tax ($)

Home Insurance ($)

HOA Fees ($)

PMI ($)

Car Payment ($)

Student Loans ($)

Credit Card Minimums ($)

Other Debts ($)

Qualification Status

May Not Qualify

Front-End DTI (Housing)

34.4%

Max: 28%

Back-End DTI (Total Debt)

46.2%

Max: 43%

Total Housing Expenses

$2,925

Total Monthly Debts

$3,925

Max Mortgage Payment

$1,655

Based on DTI limits

Max Total Housing

$2,380

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MyCalcBuddy Editorial Team

This page is maintained as an educational calculator reference.

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Formula Source: Standard Mathematical References

by Various

ðŸ”„Last reviewed: May 2026

âœ“Formula checks are based on standard references and internal QA review.