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DTI Calculator

See your debt-to-income ratio and where it sits against major loan-program limits.

Principal + interest + taxes + insurance + HOA / PMI.

Front-end DTI

28.24%

Housing only ÷ income

Back-end DTI

38.82%

Housing + all debt ÷ income

Other monthly debt

$900

Where you stand

Acceptable — qualifies for most loans

  • • Conventional: typically up to 45% back-end DTI
  • • FHA: up to 43% standard, 50%+ with compensating factors
  • • VA: no hard cap; residual income test instead
  • • Jumbo: usually 43–45% max

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Request current rates and loan options based on this DTI snapshot. Add a mobile number if you prefer a text.

Calculator results are estimates for planning, not a loan approval, commitment, rate lock, or Loan Estimate.