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Your debt-to-income ratio is one of the most important numbers in qualifying for any mortgage. It compares your monthly debts to your income and tells a lender how much room you have for a house payment. Enter your numbers to see where you stand.
DTI is your total monthly debt payments — including your new housing payment — divided by your gross monthly income, shown as a percentage. A lower number means more of your income is free for a mortgage.
Many conventional programs look for 43% or below. Non-QM and bank statement loans are more flexible, often allowing up to about 50% with strong credit and reserves. VA loans have no hard cap and lean on residual income.
Pay down credit cards and small loans, avoid financing a car right before applying, increase your down payment, or add a co-borrower's income. Even one fewer monthly payment can shift your ratio meaningfully.
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Many programs target 43% or below, though non-QM and bank statement loans can allow up to roughly 50%, and VA loans have no hard cap.
Minimum payments on credit cards, auto loans, student loans, and other monthly obligations, plus your proposed housing payment.
No. Everyday bills like utilities, groceries, and phone plans generally aren't counted — only recurring debt and your housing payment.
Lower is better. Under 36% is very comfortable; up to 43% is common; above that you'll want strong compensating factors.
Pay off a small loan or credit card balance, or delay new financing until after closing.
Both matter. Credit affects your rate; DTI affects how much you can borrow. Lenders weigh them together.
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