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Your debt-to-income ratio shows lenders how much of your paycheck covers debt. Use our tool to calculate your DTI and check USDA qualification status.

Debt-to-Income Ratio Calculator

Your debt-to-income ratio is the financial yardstick lenders use to measure how much home you can truly afford. This Debt to Income Ratio & Affordability Calculator breaks down your monthly income and debts to show where you stand before you apply. In just a few clicks, it turns raw numbers into clarity, helping you plan with confidence and avoid surprises at the closing table. Additional information below.

Monthly Debt Payments

Include: Principal & Interest + 1/12 Real Estate Taxes + 1/12 Homeowner's Insurance + PMI/MIP (if applicable) + Other (flood, earthquake insurance)
DTI Guidelines:
  • Front-End DTI: Housing payment ÷ income
  • Back-End DTI: All debts ÷ income
  • Conventional: Max 28% front, 36% back
  • FHA: Max 31% front, 43% back
  • VA: Max 41% back (no front limit)
  • USDA: Max 29% front, 41% back

Understanding Debt-to-Income Requirements for USDA Section