Debt-to-Income (DTI) Ratio Calculator
Calculate your DTI ratio to understand your borrowing power and see how lenders view your financial health
Quick Examples
Enter Your Information
Monthly Income
Monthly Housing Expenses
Other Monthly Debt Payments
Front-End DTI
Only includes housing-related expenses. Lenders evaluate this ratio as part of their underwriting process. Different loan programs have varying requirements.
Back-End DTI
Includes all monthly debt obligations. This ratio is evaluated alongside other factors in the loan approval process. Requirements vary by loan program and lender.
Why DTI Matters
Your DTI ratio helps lenders assess your ability to manage monthly payments and repay debts. A lower DTI generally means better loan terms and interest rates.
Important Disclosures:
*This Debt-to-Income (DTI) calculator is provided for educational purposes only. The calculations are estimates based on the information you provide and should not be considered as financial advice or a guarantee of loan approval.
DTI ratios are just one factor lenders consider when evaluating loan applications. Other factors include credit score, employment history, assets, and the specific loan program requirements. Different loan types have varying DTI requirements.
The recommendations provided are general guidelines and may not apply to your specific situation. We encourage you to consult with a NewFed Mortgage loan officer for personalized advice and accurate pre-qualification based on your complete financial profile.
NewFed Mortgage Corporation
NMLS #1881 | Equal Housing Lender
Licensed in multiple states. For our licensing information, please visit newfed.com
