Debt-to-Income Ratio (DTI)
Debt-to-income ratio is the share of your gross monthly income that goes toward debt payments. Lenders use it to judge how much more you can borrow: most want your total debt payments below 36% of income, and your housing payment alone below 28% — the classic 28/36 rule.
There are two DTI figures: front-end (housing costs only) and back-end (all debt, including the new loan). Conventional mortgages generally cap back-end DTI near 43–45%, though FHA loans can go higher. Lowering DTI — by paying down debt or raising income — is often the fastest path to a mortgage approval.
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Home Affordability Calculator
How much house can you afford? Get a realistic max price from your income, debts, and down payment using the 28/36 rules lenders actually apply.
Debt Payoff Calculator — Snowball vs Avalanche
Enter up to three debts and compare the snowball and avalanche strategies head-to-head: payoff dates, total interest, and what the difference costs.