Mortgage DTI calculator
Enter monthly income and monthly debts to see the front-end and back-end debt-to-income ratios for your review of the loan file.
Runs in your browser. What you type isn't sent or stored.
Calculate DTI
Monthly figures
From your worksheet or the bank statement income calculator.
The full monthly housing payment you are using for the file.
Questions
How does the calculator work out DTI?
It divides the monthly debts you enter by the gross monthly income you enter. Front-end uses housing payment only; back-end adds the other monthly debts.
Can I use bank statement income?
Yes. Paste the monthly income figure from the bank statement income calculator or your StatementReady worksheet into the income field.
What DTI limit applies to my borrower?
The calculator doesn't set a limit. Limits vary by lender and loan program, so confirm the limit with the lender for the specific loan.
Does a result mean the loan will be approved?
No. The ratio is an input to the broker's review. The lender's underwriting decides approval.
Not legal or tax advice.
Ready for the real statements?
Upload 12 or 24 months of PDFs. StatementReady checks whether each statement adds up to its printed balances.
This tool assists your review of the loan file. The lender makes all underwriting decisions.
StatementReady isn't affiliated with or endorsed by Fannie Mae or any lender named here.