What is a good DTI to buy a house?

Many programs look for 43% or less, though some allow higher with strong credit and reserves.

What is front-end vs back-end DTI?

Front-end is housing payment divided by income; back-end adds all other debts.

Debt-to-Income (DTI) Calculator

See your front-end and back-end debt-to-income ratios, the numbers lenders use to qualify you. Educational estimate only.

Gross income /mo

Housing payment (PITI)

Other monthly debts

Back-end DTI (total)

Front-end DTI (housing only)0%

Guidance—

How DTI works. Many programs look for 43% or less, though some allow more.

Important disclosures. LoanFitCalc is a free educational tool that provides estimates only. It is not a loan, a loan approval, a commitment to lend, a rate lock, or an offer to make a loan, and it does not provide financial, legal, or tax advice or recommend a specific loan for you. Mortgage insurance rates, funding and guarantee fees, loan limits, taxes, and insurance figures are typical published values used for estimation and are subject to change. Program eligibility rules are summarized and simplified. Actual terms depend on your full application, credit, property, and lender underwriting. Consult a licensed mortgage loan originator before making any decision. LoanFitCalc is an independent educational website and is not a lender. ⌂ Equal Housing Opportunity

Debt-to-Income (DTI) Calculator

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