Mortgage Glossary
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.
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