Use this to check whether a mortgage payment looks comfortably inside common qualification ranges before you compare lender quotes. It is a planning estimate, not an underwriting approval.
Enter your monthly numbers
Before taxes and payroll deductions.
Use your loan estimate or PITI calculator.
Housing payment
Other monthly debt
Guideline targets
Conservative housing benchmark.
Common ability-to-repay benchmark.
Results
Back-end DTI
0%
Capacity under common thresholds
| Guideline | Front-end room | Back-end room | Max housing payment |
|---|
Negative room means the current estimate is already above that guideline. A lender may still use different limits.
Your target summary
| Max housing payment under your target DTI | $0 |
| Remaining front-end payment capacity | $0 |
| Remaining back-end debt capacity | $0 |
| Non-housing monthly debt entered | $0 |
Methodology notes
Housing payment equals proposed principal and interest plus monthly taxes, homeowners insurance, HOA dues, and mortgage insurance. Front-end DTI is housing payment divided by gross monthly income. Back-end DTI is housing payment plus recurring monthly debt divided by gross monthly income.
This calculator does not model credit score, assets, reserves, employment history, residual income, automated underwriting findings, loan limits, temporary buydowns, disputed debts, deferred student-loan treatment, or lender overlays.
FAQ: mortgage DTI caveats
Can high DTI still be approved? Sometimes. Loan program rules and lender overlays matter, and compensating factors such as strong credit, larger down payment, reserves, or residual income can help.
Should I use gross or net income? Mortgage DTI is usually based on gross monthly income, but your personal budget should also consider take-home pay and non-debt expenses.
What payment should I enter for student loans? Enter the payment a lender is likely to count. If unsure, start with your actual required payment and ask lenders how they treat deferred or income-driven repayment loans.