What's my debt-to-income?
This sketch
- Gross monthly income
- $10,000
- Housing ratio
- 28.0%
- Total DTI
- 32.5%
May still work — FHA, VA, and many conventional files go higher with compensating factors.
What this sketch assumes
- Housing ratio (front-end) is housing payment ÷ gross monthly income.
- Total DTI (back-end) adds other monthly debts — auto, student, card minimums, support.
- Typical published guides: ~28/36 conventional, ~43% qualified-mortgage, higher on FHA/VA with compensating factors. Your file can differ.
Estimates only — not a lock or a Loan Estimate. This site does not pull credit. Disclosures
Sketches only. Let's price YOUR home.
Sketches only. Let's price YOUR home.
We'll price the home, your credit, and how you earn. Talk to me — then apply when you're ready.