Debt-to-Income Calculator
See your DTI ratio and how it compares to what lenders look for on Conventional, FHA, VA, USDA, and Jumbo loans.
Gross Monthly Income
Include all household income used to qualify — wages, self-employment, bonuses, and other verifiable income.
Housing Payment
Principal, interest, taxes, insurance, and HOA dues — your current payment, or the payment you're shopping for.
Other Monthly Debts
Don't include everyday expenses like groceries, utilities, or subscriptions — lenders only count recurring debt obligations that show up on your credit report.
The Numbers
How You Compare
Based on your 40.0% back-end DTI vs. typical program limits.
Typical max 45% — Up to 50% with strong compensating factors
Typical max 43% — Up to 56% with compensating factors
Typical max 41% — No hard VA maximum — flexible up to ~56% with residual income
Typical max 41% — Flexible with compensating factors
Typical max 43% — Stricter overlays, less flexibility
These are general guidelines, not guarantees. Actual approval depends on credit score, reserves, loan program overlays, and automated underwriting — talk to a loan officer for your real qualification.
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A licensed loan officer can review your full credit picture and tell you exactly what you qualify for.
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Disclaimer: This calculator provides estimates for informational purposes only. Loan program DTI limits vary by lender, credit profile, reserves, and automated underwriting results, and can differ from the general guidelines shown here. Contact Hometown Mortgage Co. for a personalized qualification review.