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1 · Monthly Income
Total Monthly IncomeGross $0.00 · Net $0.00
2 · Monthly Debt Payments
Total Monthly DebtBalance $0.00 · Minimum $0.00
3 · Your Debt-to-Income Ratio (Today)
Monthly debt ÷ monthly income
Based on Gross
—
Based on Net
—
4 · Optional: Including Your Estimated New Home Payment
Principal, interest, taxes, insurance, HOA, PMI
Housing ratio (new payment ÷ income)
Based on Gross
—
Based on Net
—
Total DTI with new home
Based on Gross
—
Based on Net
—
How to Read Your Ratio
Under 30%Strong — comfortable room in most budgets and loan programs
30% – 40%Manageable — common for many approvals
40% – 48%Stretched — lenders may look for strong credit or savings
Over 48%High — paying down debt first may open more options