Debt-to-Income Ratio Calculator

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Understanding DTI Ratios

Key DTI guidelines:

  • Front-end DTI: Housing costs should not exceed 28% of income
  • Back-end DTI: Total debt payments should not exceed 36% of income
  • Some loan programs may allow higher ratios
  • Lower DTI ratios improve loan approval chances
  • Include all recurring monthly debt payments

Note: This calculator provides estimates based on common lending guidelines. Actual loan qualification may vary based on credit score, down payment, and other factors. Consult with a mortgage professional for specific requirements.