DTI Calculator
Are you carrying too much debt to qualify?
Lenders use your debt-to-income ratio to decide how much you can borrow. Know your number before you apply.
See How Much Home You Can AffordDebt-to-Income Gauge
Lender qualification threshold: 44%
Safe
≤ 39%
Caution
39–44%
Danger
> 44%
HOMEH clients average 27.4% DTI — well within lender qualifying range.
Find your DTI
Enter your income and monthly obligations to see how lenders will view your application.
$2,900
Total monthly debt
29.0%
DTI ratio
22.0%
GDS (mortgage only)
29.0%
TDS (all debt)
Safe — Your DTI is 29.0%. You're well within lender qualifying thresholds.
Talk to a mortgage advisor before you apply.
Our advisors help you understand your numbers and position your application for the best possible outcome.
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Your DTI, decoded.