Debt-to-Income Ratio
Gross Monthly Income ($)
Total Monthly Debt Payments ($)
The debt-to-income (DTI) ratio measures monthly debt payments as a percentage of gross monthly income. Lenders use DTI to assess creditworthiness for mortgages and loans.
- 1DTI = (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100
- 2Include all minimum debt payments: mortgage, car, student loans, credit cards
- 3Gross income = before tax income
- 4Front-end DTI = housing costs only; Back-end DTI = all debts
$1,500 debts, $6,000 income=DTI 25% — Good (lender friendly)
$2,500 debts, $6,000 income=DTI 41.7% — Borderline for mortgage
$500 debts, $5,000 income=DTI 10% — Excellent
| DTI Ratio | Rating | Mortgage Eligibility |
|---|---|---|
| < 20% | Excellent | Easy approval |
| 20–35% | Good | Most lenders approve |
| 36–43% | Fair | Conventional mortgage limit |
| 44–50% | High | FHA limit — difficult |
| > 50% | Very High | Most lenders decline |
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