What DTI do mortgage lenders want?

Many conventional programs like back-end DTI near 36%, with some allowing the low-40s with compensating factors. FHA can go higher. There is no single legal cap — the loan program and overlay decide.

Do credit-card minimums count?

Yes. Underwriters usually count the minimum payment on revolving accounts, even if you pay in full. That is why paying cards down can help both utilization and DTI.

Is DTI the same as a credit score?

No. DTI is an income-and-debt ratio. Credit scores measure payment history and related file data. Lenders look at both.

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Debt-to-Income (DTI) Calculator

See the ratio mortgage and auto lenders actually underwrite — housing costs plus other monthly debts, divided by gross income.

Gross monthly income

Housing payment (rent or PITI)

Car, student, and other loan payments

Credit-card minimums

Child support / other required

HOA / other housing

DTI is an underwriting ratio, not a credit score. Bands vary by loan type and lender overlay. This is an educational estimate.

How this tool works

Enter gross monthly income, housing cost, and other required monthly debts. The calculator splits front-end DTI (housing only) from back-end DTI (everything a lender is likely to count).

Why it matters for your credit

Mortgage and auto underwriters use DTI alongside credit scores. A strong score with a 55% DTI still gets declined. Knowing the ratio before you shop lenders saves applications that would have been hard pulls for nothing.

Frequently asked questions

What DTI do mortgage lenders want?: Many conventional programs like back-end DTI near 36%, with some allowing the low-40s with compensating factors. FHA can go higher. There is no single legal cap — the loan program and overlay decide.
Do credit-card minimums count?: Yes. Underwriters usually count the minimum payment on revolving accounts, even if you pay in full. That is why paying cards down can help both utilization and DTI.
Is DTI the same as a credit score?: No. DTI is an income-and-debt ratio. Credit scores measure payment history and related file data. Lenders look at both.

This tool gives an educational estimate only — not a promise of a specific score change, approval, or lender decision. Explore all free tools, dispute letter templates, or the credit guides.