Your debt-to-income ratio, in plain numbers.
DTI is one of the biggest factors in what you qualify for and which loan programs fit. Here's where you stand.
Your income & debts
This calculator provides estimates for educational purposes only and is not a loan approval, quote, or commitment to lend. Actual figures depend on your credit profile, final interest rate, property taxes, homeowners insurance, mortgage insurance, HOA dues, loan program, and other underwriting factors. Talk with Chad to get numbers specific to your situation.
FAQ
What's a "good" DTI?
It depends on the loan program — generally, lower is more flexible, but many programs allow well above 36% depending on the full picture (credit, reserves, loan type).
What counts as debt here?
Recurring monthly obligations that show on your credit report — car loans, student loans, credit card minimums, personal loans. Utilities and subscriptions typically don't count.
Want to talk through what this means for you?
Numbers are a starting point. Let's turn them into a real plan.