Debt-to-Income Ratio Calculator

Lenders read your finances through one number more than almost any other: debt-to-income. See where you stand before you're sitting across from an underwriter.

Gross Monthly Income$Estimated Housing Payment$Other Monthly Debts$

30.0%

Back-end ratio (all debts)

Strong position

23.8%

Front-end ratio (housing only)

Guideline bands (not a hard rule):

≤ 36% — strong position with most lenders
36–43% — typical qualifying range
43–50% — tight, fewer programs qualify
> 50% — above most lenders' limits

These calculators provide estimates for educational purposes only — they are not a loan quote, rate lock, pre-approval, or commitment to lend, and actual figures depend on your full application, credit profile, and current rates through Unitas Lending. Property tax, insurance, and HOA figures are user-entered estimates, not verified amounts.

Want real numbers instead of an estimate? Get pre-approved.

Frequently Asked

What counts as a monthly debt for this calculation?+

Recurring minimum payments — car loans, student loans, credit card minimums, personal loans, child support. Bills like utilities, groceries, or subscriptions don't count toward DTI.

Is a high DTI an automatic denial?+

No — it's one factor among credit score, reserves, and loan program. Some programs allow higher back-end ratios than others, which is exactly the kind of thing worth a real conversation about your specific numbers.