Before applying for a mortgage or loan, check the two ratios underwriters compute first: housing-only (front-end) and all-debts (back-end) DTI.
How it works
- Enter your gross monthly income.
- Input your current or expected monthly housing payment.
- Enter any other minimum debt payments (credit cards, loans) to evaluate your ratios.
Frequently asked questions
What counts as debt here?
Required monthly payments: loans, card minimums, leases, support obligations. Utilities and groceries don't count.
Gross or net income?
Gross (pre-tax) — that is what lenders use.
How do I lower my DTI?
Pay down balances to cut required payments, avoid new debt before applying, or document additional income.
Does DTI affect my credit score?
DTI itself is not on your credit report, but lenders check it manually during underwriting. A high DTI can lead to denial even if your credit score is excellent.