What is the difference between front-end and back-end DTI?

Front-end DTI measures housing costs alone (mortgage/rent, property taxes, insurance) divided by gross income. Back-end DTI includes housing plus all recurring debts (car loans, student loans, credit cards).

What is the maximum DTI allowed for a mortgage?

Conventional loans typically cap back-end DTI at 36% to 43%, while FHA and VA loans can approve up to 45% to 50% with strong compensating factors.

USA Mortgage & Loan Approval

Debt-to-Income (DTI) Calculator 2026

Calculate your front-end and back-end DTI ratios according to Fannie Mae and CFPB mortgage standards.

Monthly Income & Debt Obligations

Gross Monthly Income (Before Taxes)$7,500

Monthly Housing Payment (Rent or Mortgage PITI)$1,800

Monthly Auto Loans

Monthly Student Loans

Credit Card Min. Payments

Other Monthly Debt Payments

DTI Ratio Results

Total Back-End DTI

37.3%

Good / Qualified Mortgage

Meets standard CFPB Qualified Mortgage (QM) limits (under 43%). Standard lender approval.

Front-End DTI (Housing Only):24.0%

Total Monthly Debt Burden:$2,800

Remaining Monthly Cash Flow:$4,700

Explore Mortgage Scenarios →

What Is Debt-to-Income (DTI) and Why Do Lenders Require It?

Your debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes toward paying monthly debt payments. Lenders look at this number to determine your ability to manage monthly payments and repay borrowed money.

For official mortgage qualification rules, visit the Consumer Financial Protection Bureau (CFPB). Explore related tools: Mortgage Affordability Calculator, Personal Loan Calculator, and Debt Consolidation Calculator.

Explore CalQora's Free Financial, Tax, Health & Astrology Tools

High-precision US financial calculators, IRS tax estimators, debt payoff planners, and expert editorial guides.

USA Taxes & IRS Estimators (2026)

Personal, Auto & Commercial Loans

Credit Cards, Debt & Savings

Health, Fitness & Wellness

Astrology & Personality Tools