{"tool":{"slug":"dti","name":"Debt-to-income ratio calculator","version":"2026-08-22","canonicalUrl":"https://carlo.finance/tools/dti?housing=2817","jsonUrl":"https://carlo.finance/tools/dti.json?housing=2817","pageUrl":"https://carlo.finance/tools/dti","parameters":[{"key":"income","label":"Annual gross household income","unit":"usd-per-year","min":0,"max":100000000,"default":100000,"sourceId":null,"help":"Before taxes, everyone whose income would go on the application. The default is an example, not a statistic."},{"key":"housing","label":"Monthly housing payment","unit":"usd-per-month","min":0,"max":1000000,"default":2000,"sourceId":null,"help":"Rent today, or the full house payment: principal, interest, tax, insurance, dues. The default is an example."},{"key":"debts","label":"Other monthly debt payments","unit":"usd-per-month","min":0,"max":1000000,"default":500,"sourceId":null,"help":"Minimum payments on cards, car loans, and student loans. Not utilities or groceries. The default is an example."}],"options":[{"key":"program","label":"Loan program","options":[{"value":"conventional","label":"Conventional"},{"value":"fha","label":"FHA"},{"value":"va","label":"VA"},{"value":"usda","label":"USDA"}],"default":"conventional","sourceId":null,"help":"Which rulebook to measure against. Conventional is Fannie Mae's Selling Guide, FHA is HUD Handbook 4000.1, VA is 38 CFR 36.4340, USDA is 7 CFR 3555.151."}]},"inputs":{"income":100000,"housing":2817,"debts":500,"program":"conventional"},"result":{"computable":true,"program":"conventional","programLabel":"Conventional","monthlyIncome":8333.33,"monthlyDebt":3317,"leftOver":5016.33,"frontEnd":0.338,"backEnd":0.398,"band":"within-45","lines":[{"pct":36,"label":"36%","meaning":"The manual-underwriting ceiling in Fannie Mae's Selling Guide.","allowed":3000,"headroom":0,"over":317,"housing":null,"maxHousing":2500},{"pct":45,"label":"45%","meaning":"Allowed with credit score and reserve requirements.","allowed":3750,"headroom":433,"over":0,"housing":null,"maxHousing":3250},{"pct":50,"label":"50%","meaning":"The Desktop Underwriter maximum; not every borrower gets it.","allowed":4166.67,"headroom":849.67,"over":0,"housing":null,"maxHousing":3666.67}],"metLine":{"pct":45,"label":"45%","meaning":"Allowed with credit score and reserve requirements.","allowed":3750,"headroom":433,"over":0,"housing":null,"maxHousing":3250},"bandPhrase":"past 36% but inside the 45% line Fannie Mae allows for conventional loans","housingNote":"Fannie Mae's Selling Guide limits the total ratio only and publishes no housing-only line, so the front-end ratio here is informational."},"drivers":[{"key":"income","label":"Income","step":5000,"pointsDelta":-1.89,"sentence":"Earning $5,000 more a year takes 1.89 points off the back-end ratio."},{"key":"debts","label":"Other monthly debt","step":-100,"pointsDelta":-1.2,"sentence":"Paying off $100 of monthly minimums takes 1.2 points off the back-end ratio."},{"key":"housing","label":"Housing payment","step":-100,"pointsDelta":-1.2,"sentence":"A housing payment $100 lower takes 1.2 points off both ratios."}],"sensitivity":{"byDebts":[{"debts":0,"backEnd":0.338,"headroom":183},{"debts":250,"backEnd":0.368,"headroom":0},{"debts":500,"backEnd":0.398,"headroom":0},{"debts":1000,"backEnd":0.458,"headroom":0}],"byIncome":[{"income":75000,"backEnd":0.5307,"frontEnd":0.4507},{"income":90000,"backEnd":0.4423,"frontEnd":0.3756},{"income":100000,"backEnd":0.398,"frontEnd":0.338},{"income":110000,"backEnd":0.3619,"frontEnd":0.3073},{"income":125000,"backEnd":0.3184,"frontEnd":0.2704}],"byProgram":[{"program":"conventional","label":"Conventional","band":"within-45","metLabel":"45%","headroom":433,"over":0,"housingOver":0,"topLabel":"50%"},{"program":"fha","label":"FHA","band":"within-47","metLabel":"47%","headroom":599.67,"over":0,"housingOver":0,"topLabel":"50%"},{"program":"va","label":"VA","band":"within-41","metLabel":"41%","headroom":99.67,"over":0,"housingOver":0,"topLabel":"41%"},{"program":"usda","label":"USDA","band":"over-housing-29","metLabel":null,"headroom":0,"over":0,"housingOver":400.33,"topLabel":"41%"}]},"assumptions":[{"key":"income","label":"Annual gross household income","value":100000,"unit":"usd-per-year","provided":false,"source":null},{"key":"housing","label":"Monthly housing payment","value":2817,"unit":"usd-per-month","provided":true,"source":null},{"key":"debts","label":"Other monthly debt payments","value":500,"unit":"usd-per-month","provided":false,"source":null},{"key":"program","label":"Loan program","value":"conventional","unit":"choice","provided":false,"source":null}],"sources":[{"id":"fannie","name":"Fannie Mae Selling Guide B3-6-02, Debt-to-Income Ratios","url":"https://selling-guide.fanniemae.com/sel/b3-6-02/debt-income-ratios","asOf":"2025-04-02","note":"Manually underwritten loans: maximum total DTI 36%, up to 45% with credit score and reserve requirements. Desktop Underwriter: maximum 50%. The guide limits the total ratio only and sets no housing-only line."},{"id":"fha","name":"HUD Handbook 4000.1 II.A.5, Approvable Ratio Requirements (Manual)","url":"https://www.hud.gov/sites/default/files/Housing/documents/40001-hsgh-Update-18.pdf","asOf":"2026-08-12","note":"Manually underwritten mortgages, as housing ratio over total ratio: 31/43 with no compensating factor and for scores of 500 to 579 or no score, 37/47 with one documented factor, 40/50 with two, and 40/40 with no discretionary debt. Energy Efficient Homes stretch to 33/45."},{"id":"va","name":"38 CFR 36.4340, VA underwriting standards","url":"https://www.ecfr.gov/current/title-38/chapter-I/part-36/subpart-B/section-36.4340","asOf":"2026-08-20","note":"Paragraph (d): the debt-to-income standard is 41 percent or less, and above it the steps in paragraphs (c)(1) through (c)(6) apply. Paragraph (c)(2) allows approval above 41 percent with justification by the underwriter's supervisor; paragraph (c)(4) is what requires the lender to fully justify that decision. Paragraph (c)(3) drops the second-level review and the statement of justification when residual income exceeds the guidelines by at least 20 percent."},{"id":"usda","name":"7 CFR 3555.151(h), Rural Development guaranteed loan repayment ability","url":"https://www.ecfr.gov/current/title-7/subtitle-B/chapter-XXXV/part-3555/subpart-D/section-3555.151","asOf":"2026-08-20","note":"PITI plus homeowners' association dues, the annual fee, and other real estate assessments may not exceed 29 percent of repayment income, and PITI plus recurring monthly debts may not exceed 41 percent. Both may be exceeded with documented compensating factors."},{"id":"rule-of-thumb","name":"FDIC Money Smart, Loans and Mortgages: How Much Mortgage Can I Afford?","url":"https://www.fdic.gov/consumers/consumer/moneysmart/podcast/documents/borrowing-money-how-much-mortgage-can-i-afford.pdf","asOf":"2019-03-15","note":"The 28/36 rule of thumb, stated as a range: lenders usually require housing expenses at 25% to 28% of gross monthly income (the front-end ratio) and housing plus long-term debt at 33% or 36% (the back-end ratio)."},{"id":"qm","name":"CFPB final rule, Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z): General QM Loan Definition","url":"https://www.federalregister.gov/documents/2020/12/29/2020-27567/qualified-mortgage-definition-under-the-truth-in-lending-act-regulation-z-general-qm-loan-definition","asOf":"2020-12-29","note":"85 FR 86308. The final rule removes the General QM loan definition's 43 percent DTI limit and replaces it with price-based thresholds. Effective 2021-03-01, with a mandatory compliance date of 2021-07-01 that a later rule delayed."},{"id":"qm-delay","name":"CFPB final rule, General QM Loan Definition; Delay of Mandatory Compliance Date","url":"https://www.federalregister.gov/documents/2021/04/30/2021-09028/qualified-mortgage-definition-under-the-truth-in-lending-act-regulation-z-general-qm-loan-definition","asOf":"2021-04-30","note":"86 FR 22844. Delays the General QM Final Rule's mandatory compliance date until October 1, 2022. Effective 2021-06-30."}],"warnings":[],"disclaimer":"This compares your debt payments to your gross income the way a mortgage underwriter does, against the ratio limits the program you pick publishes: Fannie Mae for conventional, HUD Handbook 4000.1 for FHA, 38 CFR 36.4340 for VA, 7 CFR 3555.151 for USDA. It is not a loan approval, a rate quote, or financial advice. Credit score, reserves, residual income, and individual lender overlays change the real answer."}