Debt-to-Income (DTI) Pre-Check
Lenders look at how much of your income goes toward housing and total debt. This page gives you a quick estimate of your front-end and back-end DTI ratios using simple monthly numbers.
What this page does
You enter your gross monthly income, planned housing payment, and other monthly debts (credit cards, auto, loans,
etc.). We show approximate DTI ratios so you can see whether you're in a typical range before you talk with Bill.
1. Enter Your Monthly Numbers
$
Before taxes and deductions. Include all income that may count.
$
Planned mortgage payment: principal & interest + tax + insurance + HOA.
$
Car loans, credit cards, student loans, personal loans, etc.
$
If not already in other debts, add them here.
This is a rough illustration only. Actual underwriting rules vary by program and lender. Some debts may be counted differently, and some income may require a history or documentation to qualify.
2. Approximate DTI Results
Enter your numbers and click "Calculate"
We'll show an estimated front-end (housing only) and back-end (housing + other debts) DTI.
Bill can look at your full picture (credit, income history, loan type, property type, etc.) and show which loan families might accept your DTI and what could be adjusted to improve it.