How this calculator works
Front-end DTI = housing ÷ income. Back-end DTI = all debts ÷ income. Conventional caps are often 45–50%, FHA up to 56.9% with compensating factors, VA has no hard cap but watches residual income.
Loans this applies to
Conventional Loans
A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
FHA Loans
An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
First-Time Homebuyer Loans
First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.
FAQ
Is the DTI Calculator free?
Yes. It is free, needs no sign-up and does not check your credit.
How accurate is the DTI Calculator?
It uses the same formulas lenders use, but results are estimates. Your actual terms come from your Loan Estimate or term sheet.
Estimates only, for educational use. Not a loan offer or commitment to lend.