This calculator helps you determine if you meet standard mortgage lending requirements by calculating your debt-to-income (DTI) ratios. Lenders use these ratios to assess your ability to manage monthly mortgage payments alongside your existing debts.
Conventional Loans
FHA Loans
Not all monthly expenses count toward DTI - only debt payments are included
Higher income alone doesn't guarantee a good DTI ratio - it's about the balance between income and debts
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