Debt-to-Income Calculator
Calculate the front-end and back-end DTI ratios Florida lenders use to qualify you for a mortgage.
By Onias Derilus, Mortgage Capital · NMLS# 1859012 · Last Updated: June 2026
Lenders weigh the back-end ratio most heavily. Many programs cap it near 43% to 50% depending on credit, reserves, and loan type. Estimate only.
Your debt-to-income ratio compares your monthly debt to your gross monthly income. It is one of the most important numbers in mortgage underwriting because it signals how much room you have to take on a house payment.
There are two ratios. The front-end ratio counts only your housing payment, while the back-end ratio adds every other monthly debt. Lenders care most about the back-end figure.
How to Use This Calculator
- 1
Enter your gross monthly income — your total pay before taxes and deductions.
- 2
Add the housing payment you expect, including principal, interest, taxes, and insurance.
- 3
Enter your other monthly debts such as car loans, credit card minimums, and student loans.
- 4
Compare both ratios against typical program limits to gauge how much borrowing room you have.
The Formula & Assumptions
Front-end = housing ÷ income × 100
Back-end =
(housing + other debt) ÷ income × 100
Both ratios use gross income — your pay before taxes. Only debts that appear on your credit report or count as recurring obligations are included; utilities and groceries do not count.
A back-end ratio under 36% is comfortable, 43% is a common conventional threshold, and some programs approve higher ratios when credit and cash reserves are strong.
Paying down a credit card or retiring a small loan before you apply can lower your back-end ratio and improve both your approval odds and your rate.
Frequently Asked Questions
What is a good debt-to-income ratio for a mortgage?
A back-end ratio at or below 36% is considered strong, and many conventional loans approve up to 43% to 45%. Some FHA and automated approvals allow higher ratios with compensating factors like reserves or a high credit score.
What counts as debt in the DTI calculation?
Recurring obligations that appear on your credit report count, such as auto loans, credit card minimum payments, student loans, and personal loans. Living expenses like utilities, groceries, and insurance premiums are not included.
How can I lower my DTI before applying?
Pay down or pay off revolving balances, avoid new financing, and resist opening new credit lines. Increasing documented income also lowers the ratio. Small changes can move you under a key threshold.
Does my mortgage payment count in DTI?
Yes. The proposed housing payment is the core of the front-end ratio and is added to your other debts for the back-end ratio. That is why the housing payment field includes taxes and insurance.
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Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.