Debt-to-Income (DTI) Calculator
Calculate front-end and back-end DTI ratios and check qualification guidelines by loan type. Free for brokers and loan officers.
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What is DTI?
Debt-to-income (DTI) is a simple ratio: total required monthly debts divided by gross monthly income. In mortgage, DTI is typically discussed in two parts. Front-end DTI focuses on the housing payment. Back-end DTI includes the housing payment plus other monthly obligations.
This calculator helps you estimate both front-end and back-end DTI using a PITI-style housing payment (principal, interest, taxes, insurance, plus HOA). It is designed for early-stage screening so you can catch a DTI issue before you spend time chasing documents.
How brokers use this
Run a quick DTI check before you submit a file to underwriting. Enter your borrower's income and debts to see if they fall within guidelines for conventional, FHA, VA, or USDA loans.
Once you confirm the numbers work, use BorrowerDocs document collection to gather the pay stubs, tax returns, and bank statements that verify the income and debts behind the DTI.
FAQs
What is a debt-to-income (DTI) ratio?
DTI is the percentage of gross monthly income that goes toward required monthly debt payments. Lenders use it to evaluate how much housing payment a borrower can reasonably support.
What is front-end vs. back-end DTI?
Front-end DTI includes only housing costs (PITI plus HOA). Back-end DTI includes housing costs plus other monthly debts like auto loans, student loans, and credit card minimum payments.
What is a good DTI for a mortgage?
It depends on the loan program and borrower profile. As a rule of thumb, many conventional scenarios target about 36% back-end DTI, while 43% is a common benchmark.
What DTI do I need for conventional vs. FHA vs. VA?
Guidelines vary by lender and AUS findings. Use this calculator as an early screening tool, then confirm against your lender findings.
Does DTI include HOA, taxes, and insurance?
Yes for back-end DTI (and for front-end DTI). Housing DTI uses a PITI-style payment and should include property taxes, homeowners insurance, and HOA dues when applicable.
Does DTI include utilities, groceries, or subscriptions?
No. DTI is based on required monthly debt obligations, not general living expenses.
How is this different from BorrowerDocs?
This is a standalone calculator. BorrowerDocs is a document collection portal where borrowers upload the pay stubs, tax returns, and bank statements that support the income and debts behind the DTI.
Ready to collect the docs behind the numbers?
Create a free BorrowerDocs file and send your borrower a magic-link portal to upload pay stubs, tax returns, and bank statements.
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