Income
Monthly Debts
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Front-End DTI (Housing)
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Back-End DTI (All Debts)
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Total Monthly Debts
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Remaining Income
Back-End DTI
Breakdown
Qualification Guide
Conventional Loans: Typically require back-end DTI under 36%, some lenders allow up to 45% with strong credit.
FHA Loans: Allow up to 43% back-end DTI, or up to 50% with compensating factors (high credit score, large reserves).
VA Loans: No strict front-end limit; back-end DTI guideline is 41%, but exceptions common.
Front-End DTI: Most lenders prefer housing costs below 28% of gross income.
FHA Loans: Allow up to 43% back-end DTI, or up to 50% with compensating factors (high credit score, large reserves).
VA Loans: No strict front-end limit; back-end DTI guideline is 41%, but exceptions common.
Front-End DTI: Most lenders prefer housing costs below 28% of gross income.