What is a good DTI ratio?

Lenders typically prefer a backend DTI (total debt / gross income) under 36%, though some allow up to 43-50%.

Home Affordability Calculator

Determine how much house you can afford based on your income, debts, and current interest rates using standard Debt-to-Income (DTI) ratios.

Lenders use Debt-to-Income (DTI) ratios to determine how much they will lend. Understanding these limits helps you set a realistic budget.

We use standard Front-End (28%) and Back-End (36%) ratios to estimate your borrowing power.

Housing costs divided by gross income (Target < 28%).

Total monthly debt divided by gross income (Target < 36%).

The maximum mortgage amount you qualify for.