Calcolatore Rapporto Debito-Reddito — 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
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.
- Front-end DTI: $2,200 / $8,000 = 27.5%
- Total debt: $2,200 + $450 + $300 + $150 = $3,100
- Back-end DTI: $3,100 / $8,000 = 38.75%
- Both ratios are under typical limits (28% front, 43% back)
- Remaining income after debt: $8,000 - $3,100 = $4,900
- Maximum housing at 28%: $8,000 x 0.28 = $2,240
- Maximum total debt at 43%: $8,000 x 0.43 = $3,440