How to Calculate Your Debt-to-Income (DTI) Ratio for Mortgages

Retained from the earlier FinanceMath website. This historical guide has not yet completed the rebuild’s editorial review. Tax rates, eligibility rules and dated claims must be checked against current official sources. For tested calculation methods, use the current calculators.

How to Calculate Your Debt-to-Income (DTI) Ratio for Mortgages

Understand the strict DTI limits lenders require for qualifying for home mortgage loans.

Front-End vs Back-End DTI

Front-end DTI evaluates housing costs against gross monthly income. Back-end DTI includes all recurring debt obligations (auto loans, cards, student loans).