Big plans start with your numbers.
Estimate your monthly mortgage payment, understand your debt ratios, and compare the long-term impact of your choices.
DTI Calculator
Housing payment should include principal, interest, taxes, insurance, HOA and mortgage insurance. Default 28% / 36% thresholds are traditional budgeting benchmarks; actual lender limits vary by program, credit and underwriting. Enter lender-specific thresholds if known.
About this calculator
See how your monthly debts compare with your income, the way lenders look at it.
Your debt-to-income ratio (DTI) is one of the first numbers a lender checks to decide how much home you can comfortably afford. It compares what you owe each month with what you earn before taxes.
Enter your gross monthly income, the full housing payment you are considering, and your monthly car, credit card, student loan and other debt payments. You will see your front-end ratio (housing only) and back-end ratio (all debts) side by side with common lender thresholds. Limits vary by program and credit, so use this as a starting point for a conversation with us.
You don’t have to figure this out alone.
Tell us what you’re working toward. We’ll help you understand your next step.