Calculate your DTI ratio and see how lenders may view it.
All calculations are done locally in your browser.
DTI is your monthly debt payments divided by your gross monthly income. Lenders use it to gauge affordability.
Many lenders prefer DTI under 36%, while some mortgage programs allow up to ~43–50% depending on credit, reserves, and product.
Reduce debt balances, consolidate at lower rates, or increase income. You can also explore affordability with our Home Affordability Calculator.
Try the Home Affordability Calculator, Mortgage Calculator, and Debt Payoff Calculator to plan next steps.