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DTI Calculator (Debt-to-Income Ratio)

Free DTI calculator. See if you qualify for a mortgage by calculating your debt-to-income ratio. Conventional, FHA, VA, USDA guidelines included.

Formula

DTI = (Total Monthly Debt / Gross Monthly Income) × 100

Example

$2,400 housing + $600 debts on $8,000 income = 37.5% DTI (FHA eligible)

Try the API

Get instant JSON results — perfect for embedding in your app or workflow.

GET https://leadhunting.app/api/tools/dti-calculator

Frequently Asked Questions

What is a good debt-to-income ratio for a mortgage?

Conventional loans require ≤45% DTI, FHA requires ≤43%, VA requires ≤41%. The 28/36 rule suggests housing ≤28% and total debts ≤36% of gross income.

What debts are included in DTI?

Mortgage/rent, credit card minimums, auto loans, student loans, child support, alimony, and any other recurring debt payments.

How can I lower my DTI quickly?

Pay down credit cards, increase income (co-signer), consolidate debts, choose a lower-priced home, or extend loan term.

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