Front-End Ratio
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
The front-end ratio is the share of gross monthly income that goes to housing costs alone, including PITI.
What Front-End Ratio means
Lenders pair it with the back-end ratio (all debts). Many programs target a front-end ratio around 28%–31%, though flexible programs allow more.
Florida example
A Florida borrower earning $7,000 a month with a $1,960 housing payment has a 28% front-end ratio, comfortably within guidelines and leaving room for other debts in the back-end calculation.
What it is
The front-end ratio compares your housing payment to your gross monthly income. It shows what share of income goes to the home.
Lenders use it alongside the total debt ratio.
Why it matters
A lower front-end ratio means the payment fits your budget with room to spare. Programs set limits on it.
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