0% total DTI
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Housing ratio (front-end)
Lender view
Debt-to-income ratio = total monthly debt รท gross monthly income. Lenders generally prefer a total DTI under 36%, and many cap it around 43%.
Frequently Asked Questions
What is a good debt-to-income ratio?
A total DTI below 36% is considered healthy. Between 36% and 43% is manageable but watched closely; above 43% many lenders will be reluctant to extend new credit.
Calculate your debt-to-income ratio to see how lenders view your finances.