Debt-to-Income Ratio Calculator
The 28/36 rule: Housing ≤28%, Total debt ≤36% of income
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Car loans, credit cards, student loans, etc.
Front-End DTI
24%
Target: ≤28%
Back-End DTI
30%
Target: ≤36%
You have a healthy DTI ratio. You should qualify for most mortgage programs.
Maximum Payments (28/36 Rule)
Monthly Gross Income$8,333
Max Housing Payment (28%)$2,333
Max Total Debt (36%)$3,000
2026 DTI Limits by Loan Type
| Loan | Front-End | Back-End |
|---|---|---|
| Conventional | 28% | 36% |
| FHA | 31% | 43% |
| VA | N/A | 41% |
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