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- Enter your gross (pre-tax) monthly income from all sources.
- Enter your monthly housing payment: rent, or mortgage including taxes, insurance and HOA.
- Enter minimum monthly payments on car loans, student loans, credit cards and other debts. Don't include utilities, groceries or insurance premiums.
Formel
DTI compares monthly debt payments with gross monthly income.
Front-end DTI = housing payment / gross monthly income × 100
Back-end DTI = all monthly debt payments / gross monthly income × 100
Example
- Income $6,500/month; housing $1,800; other debts $700.
- Front-end = 1,800 / 6,500 = 27.7%.
- Back-end = 2,500 / 6,500 = 38.5%, which is manageable but above the 36% many lenders prefer.
Häufige Fragen
What is a good DTI ratio?
Many lenders prefer a back-end ratio of 36% or less, with housing at 28% or less. For US qualified mortgages, 43% has long been a common upper limit, though some programs allow up to 50% with strong compensating factors.
Is DTI based on gross or net income?
Lenders use gross income, before taxes and deductions.
How can I lower my DTI?
Pay down balances (especially those with high minimum payments), avoid new debt before applying for a loan, or increase your documented income.