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ZOVATOOL

Debt-to-Income Ratio

Monthly debt payments

Front-end DTI
25.00%
Housing only
Back-end DTI
39.17%
All debts
Monthly free
$3,650.00

Rating

StatusManageable (max for QM loan)
Gross monthly income$6,000.00
Total monthly debt$2,350.00
Max backend at 36%$2,160.00
Max backend at 43%$2,580.00

How to use the DTI Calculator

  1. Enter gross (pre-tax) monthly or annual income.
  2. Add every monthly debt payment — housing, auto, student, credit card minimums, other loans.
  3. Read front-end DTI (housing only) and back-end DTI (all debts).
  4. Compare against the 28/36 rule and the 43% Qualified Mortgage ceiling.
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The three DTI thresholds every borrower should know

28% front-end / 36% back-end is the conservative lender standard. Under this, you qualify for the best rates almost everywhere.

43% back-end is the hard ceiling for a Qualified Mortgage. Above it, most conventional lenders decline you.

50%+ is financial stress territory — one missed paycheck triggers cascading missed payments. Pay down credit cards first; they hit DTI hardest.