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Front-End DTI Housing Expense Calculator

Front-end DTI = housing costs / gross income — mortgage affordability.

Calculates the front-end debt-to-income ratio (housing ratio) from monthly housing expenses and gross income to assess mortgage eligibility.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Front-end DTI = (PITI / gross_income) × 100

In depth

Calculates the front-end debt-to-income ratio (housing ratio) from monthly housing expenses and gross income to assess mortgage eligibility.