This calculator provides estimates for educational purposes only. It does not constitute financial advice. Consult a qualified financial professional before making decisions.
Monthly Debt Payments
Debt-to-Income Ratio
0%36%43%50%+
Total Monthly Debt
Lender thresholds: FHA loans allow up to 43% DTI. Conventional loans prefer under 36%. VA/USDA loans have flexible DTI limits. Lower DTI improves your loan approval odds and may get you a better rate.