Calculadora de Relação Dívida/Renda — 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

    • Exemplo Resolvido

    Gross monthly income of $8,000. Housing $2,200, car $450, student loans $300, credit cards $150.

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