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Back-End DTI (Total)
38.8%
Back-End DTI (Total) vs Gross Monthly Income
Formula
## Debt-to-Income Ratios Lenders use DTI ratios to assess your ability to manage monthly payments and repay debts. ### Front-End Ratio (Housing) **Front-End DTI = Monthly Housing Cost (PITI) / Gross Monthly Income x 100** Most lenders prefer this to be 28% or less. ### Back-End Ratio (Total) **Back-End DTI = Total Monthly Debt / Gross Monthly Income x 100** Most conventional lenders want this at 43% or less. FHA allows up to 50% with compensating factors. ### DTI Guidelines by Loan Type - **Conventional**: 28% front / 43% back (max 50% with strong file) - **FHA**: 31% front / 43% back (up to 50% with compensating factors) - **VA**: No front-end limit / 41% back (flexible with residual income) - **USDA**: 29% front / 41% back
Esempio Risolto
Gross monthly income of $8,000. Housing $2,200, car $450, student loans $300, credit cards $150.
- 01Front-end DTI: $2,200 / $8,000 = 27.5%
- 02Total debt: $2,200 + $450 + $300 + $150 = $3,100
- 03Back-end DTI: $3,100 / $8,000 = 38.75%
- 04Both ratios are under typical limits (28% front, 43% back)
- 05Remaining income after debt: $8,000 - $3,100 = $4,900
- 06Maximum housing at 28%: $8,000 x 0.28 = $2,240
- 07Maximum total debt at 43%: $8,000 x 0.43 = $3,440
Domande Frequenti
What debts are included in DTI?
DTI includes minimum payments on all debts that appear on your credit report: mortgage/rent, car loans, student loans, credit cards, personal loans, and alimony/child support. It does not include utilities, groceries, subscriptions, or other living expenses.
How can I lower my DTI?
Increase income (raise, side job, add a co-borrower) or reduce debt (pay off credit cards, refinance car to lower payment, pay off smallest debts). Avoid taking on new debt before applying for a mortgage.
Is gross or net income used for DTI?
DTI uses gross (pre-tax) income, not take-home pay. This means your actual disposable income after taxes and deductions is lower than what the DTI calculation suggests. Budget carefully based on net income, not just DTI limits.