Your debt-to-income ratio (DTI) is one of the most important numbers lenders look at. Calculate your front-end and back-end DTI to understand your borrowing power and financial health.
Monthly Debt Payments
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| Back-End DTI | Rating | Lender View |
|---|---|---|
| Under 20% | Excellent | Very strong borrower — best rates available |
| 20% – 35% | Good | Comfortably within lending criteria |
| 36% – 43% | Acceptable | Most lenders' upper limit — may limit options |
| 44% – 49% | High | Specialist lenders only — higher rates likely |
| 50% + | Very High | Most lenders will decline — focus on reduction |