Mortgage Calculator

Debt-to-Income Calculator

Estimate how your monthly housing payment and other recurring debts compare with your gross monthly income before you start a fuller mortgage review.

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Estimate your ratios

Enter your monthly numbers.

Use gross monthly income before taxes. For debts, include recurring monthly obligations such as auto loans, student loans, credit cards, personal loans, and similar payments.

Use monthly income before taxes and deductions. Include stable income you expect to document.

Use principal and interest, property taxes, homeowners insurance, HOA dues, and mortgage insurance if you know the total.

Include recurring monthly obligations such as auto loans, student loans, credit cards, personal loans, and minimum required payments.

Optional housing-payment breakdown

Use this if you want the calculator to build the housing payment from pieces instead of one total.

The loan payment before taxes, insurance, HOA dues, or mortgage insurance.

Use a monthly estimate. Annual taxes divided by 12 is a common planning method.

Use a monthly insurance estimate. Actual premiums vary by property and coverage.

Use monthly dues for a condo, townhome, or community with an association.

Use an estimated monthly mortgage insurance amount if it applies.

How to use this

What the DTI estimate can and cannot show.

Front-end ratio compares the estimated housing payment with gross monthly income. Back-end DTI compares the housing payment plus other monthly debts with gross monthly income.

Lenders review more than these ratios, including credit, reserves, income stability, property type, program rules, and documentation.

Next steps

Helpful related pages.

Monthly Mortgage Payment Calculator Compare Loan Scenarios Home Affordability Calculator Loan Options Buying a Home Talk Through Options