Front-End vs Back-End DTI

See the difference between your front-end (housing) and back-end (total) debt-to-income ratios side by side.

Your income and debt figures are calculated on your device — never uploaded

Try: Housing debt/mo=1500, Other debt/mo=400, Gross monthly income=6000 → 25.0%, 31.7%, 6.7%

How to use

Front-end is housing debt divided by income; back-end adds every other monthly debt. This page shows both so the distinction is clear.

The back-end ratio, because it reflects your total monthly obligations.