DTI Calculator for Mortgage
Check your DTI against the standard conventional mortgage thresholds of 28% front and 36% back.
Your income and debt figures are calculated on your device — never uploadedTry: Housing debt/mo=1500, Other debt/mo=400, Gross monthly income=6000 → 25.0%, Within, 31.7%, Within
How to use
Same numbers as the main calculator, framed for a conventional mortgage. It shows your ratios next to the 28/36 rule so you can see the gap.
FAQ
What is the 28/36 rule?
A common conventional guideline: housing debt under 28% of income and total debt under 36%.
Do all lenders use 28/36?
No. FHA and VA allow higher back-end ratios; see those pages.