Front-End DTI
22.5%
Conventional OK
Housing costs only. Conventional lenders: ≤28%. FHA: ≤31%.
Back-End DTI
33.8%
Conventional OK
All debt payments. Conventional: ≤36–45%. FHA: ≤43%.
Monthly Breakdown
Housing$1,800 (22.5%)
Car Payments$450 (5.6%)
Student Loans$300 (3.8%)
Credit Cards (min)$150 (1.9%)
Total Monthly Debt$2,700
Debt Room at 36% DTI
$180/mo additional debt capacity
Max total payments for 36% DTI: $2,880/mo • Current: $2,700/mo
| Loan Type | Front-End Max | Back-End Max | Your Status |
|---|
| Conventional | 28% | 36–45% | Likely qualifies |
| FHA | 31% | 43% | Likely qualifies |
| VA / USDA | N/A | 41% | Likely qualifies |
| Jumbo | 28% | 36–38% | Likely qualifies |
DTI is the biggest mortgage qualifying factor you can move in months
Credit score takes years to build. Income takes a job change. But DTI can drop quickly — pay down a car loan, wipe out a credit card, or pick up income. Most lenders pull a new DTI at closing, so late improvements count.