Debt-to-Income (DTI) Calculator

See how lenders view your income against your monthly debts — including a proposed new mortgage payment — to estimate your DTI ratio and where it stands.

Income

Annual Income (Gross)
$20,000$300,000

Co-Borrower

Co-Borrower Annual Income
$0$300,000

Proposed Housing Payment

Monthly Housing Payment
$0$10,000
Include principal, interest, taxes, insurance & HOA (PITI)

Monthly Debts

Min. Credit Card Payments
$0$3,000
Car Loan Payments
$0$3,000
Student Loan Payments
$0$2,000
Other Monthly Debts
$0$3,000
Personal loans, child support, alimony, etc.

Income & Debt Summary

Gross Monthly Income$0
Total Monthly Debts (excl. housing)$0
Proposed Housing Payment$0
Remaining Monthly Income$0

DTI Breakdown

Front-End DTI (housing only)0%

Back-End DTI Ratio

0%

Good DTI

Your DTI looks favorable to most lenders.

As a general guide, most lenders prefer a DTI of 36% or lower, will often go up to 43–50% depending on loan type, and may decline above that. VA loans are typically more flexible than conventional loans on this front, especially with strong residual income or full automated underwriting approval.

Have a Question About Your Scenario?

This calculator provides an estimate only. Actual DTI requirements vary by lender, loan program, and overall credit profile. Contact Bryce Pierce for a personalized review of your scenario.

Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!

quick info

Your VA Loan Advisor

Bryce Pierce

Bryce Pierce NMLS #2415547 | Client Direct Mortgage| 2700 Ygnacio Valley Road suite 255 Walnut Creek, CA 94598 | NMLS# 1065732 | Email: [email protected] Phone Number: (949) 813-4713 | https://nmlsconsumeraccess.org