Debt-to-Income Ratio Calculator
Calculate your DTI ratio to see which California mortgage programs you qualify for. DTI is one of the most important factors in mortgage approval.
Monthly Income & Debts
Monthly Debt Payments
Your Back-End DTI
35.0%
Excellent
Front-End DTI
26.7%
Total Monthly Debt
$4,200
Programs You May Qualify For:
All programs — conventional, FHA, VA, jumbo, and specialty
or call (888) 703-1840
Disclaimer: Estimates only. Actual qualification varies. Sponsored by Save Financial, Inc. (NMLS #377740).
← All CalculatorsUnderstanding Debt-to-Income Ratio (DTI)
DTI is one of the most important numbers in your mortgage application. It measures how much of your gross monthly income goes toward debt payments. Lenders use two DTI measures: front-end DTI (housing costs only) and back-end DTI (all debts including housing).
Most conventional loans require back-end DTI below 43-45%. FHA allows up to 50% with compensating factors like strong credit or large reserves. VA loans are more flexible. DSCR investment loans don't use personal DTI at all — they qualify based on the property's rental income.
DTI Limits by Loan Program
Conventional loans allow 43-45% DTI. FHA allows up to 50% with compensating factors. VA loans don't have a hard DTI cap but lenders typically look for 41% or below with residual income. Jumbo loans typically cap at 43%. Bank statement and Non-QM programs vary by lender.
Our recommended broker evaluates your DTI across all 35 loan programs to find the best fit. Get a free analysis or call (888) 703-1840.
Last updated: July 2026. Sources: FHFA, HUD, VA, CalHFA, CFPB, California DRE, California Association of Realtors. All loans subject to credit approval. Rates subject to change.