Adjust the inputs below. Results update as you type.
Front-end DTI = housing costs / gross income. Back-end DTI = all debt payments / gross income. Conventional mortgage lenders prefer back-end DTI below 43%; FHA allows up to 50% with compensating factors. Include all minimum payments: mortgage/rent, car loans, student loans, credit cards, and any other installment debt. Reducing DTI before applying improves terms.
Many lenders compare to ~28% front-end and ~36% back-end as rough guides; your situation may differ.