Add housing and other required monthly debt payments, then compare them with gross income.
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Debt-to-income ratio
30.00%
Use required debt payments and gross income. A ratio alone does not establish eligibility; lender criteria differ.
DTI = (1800 + 450) ÷ 7500 × 100.
DTI = monthly debt payments ÷ gross monthly income × 100. Housing-only DTI uses just the housing payment. Do not use the total outstanding loan balance as a monthly payment.
$1,800 housing plus $450 other debt divided by $7,500 gross monthly income is 30% DTI.
No. Credit, income documentation, assets, loan type and lender rules also matter. This tool reports ratios without labeling them as approval decisions.
Last updated . Results are estimates for informational purposes only.