Mortgage Tool Bus
Back to StopsStop #6 · Debt-to-Income (DTI)

Debt-to-Income Calculator 📊

Your debt-to-income (DTI) ratio is one of the biggest numbers a lender looks at. See where you stand today and how a new housing payment would change the picture — including how automated approval vs. manual underwriting shifts the ceiling.

Your monthly numbers

Use gross income (before taxes). Include debts that appear on a credit report — not groceries, utilities, or subscriptions.

Loan Program
Approval Path
FHA TOTAL Scorecard (AUS): FHA's automated system routinely approves back-end DTIs up to 56.9% when other borrower strengths are present — such as strong reserves, solid credit, or residual income.
Income
$
$
Proposed Housing Payment (PITI)
$

Principal, interest, taxes, insurance & HOA combined.

Monthly Debt Payments
$
$
$
$
$
Your DTI Ratio
41.2%back-end DTI
Within Program Ceiling
0%36% ideal56.9% ceiling
Gross monthly income$8,500
Proposed housing payment$2,600
Other monthly debts$900
Total monthly debt$3,500
Front-end DTI (housing)30.6%
Back-end DTI (all debts)41.2%
Max housing payment by DTI cap
At 36% (ideal)$2,160
At 56.9% (FHA AUS)$3,937
Your ratio is above the general 36% guideline but within the 56.9% back-end ceiling this program's automated system can approve when other borrower strengths (reserves, strong credit, residual income) are present.
Your housing ratio is above the ~28% guideline but within the 40% front-end cap for this path.
Talk Through My Numbers With Kat

Want an official DTI review?

Lenders calculate DTI with specific rules per loan program. Get a real review with Kat Fish at Edge Home Finance.

Get Pre-Approved NowSchedule Clarity Call

Educational estimate only. This calculator uses simplified DTI math and does not reflect every underwriting rule, income calculation method, loan-level pricing adjustment, credit profile, reserve requirement, or program limit. AUS approvals and manual underwriting caps vary by lender, program, and the strength of compensating factors (reserves, credit, residual income, housing history). Student loans, garnishments, and other debts may be calculated differently by lenders depending on the loan program. Actual qualifying DTI varies. This is not a commitment to lend. All loans are subject to credit approval and underwriting guidelines.