Debt-to-income ratio: front-end vs back-end, with worked examples
What front-end and back-end DTI measure, how lenders use them, a worked example on $8,000 a month, and how to lower DTI before applying.
Guides tagged DTI
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Q.01What is a good debt-to-income ratio for a mortgage?
Lenders like to see a back-end DTI of 36% or less, and 43% is a common guideline ceiling. Some programs and automated underwriting approvals allow higher ratios with strong compensating factors such as reserves or credit.
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