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Front-End Debt-to-Income (Housing) Ratio Calculator

Front-end DTI = monthly housing costs / gross monthly income.

Compute the front-end (housing) debt-to-income ratio used in mortgage qualification. PITI (principal + interest + taxes + insurance) plus HOA dues are summed and divided by gross monthly income. Conventional underwriting typically caps the ratio at 28 %.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

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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 = (P+I + Taxes + Insurance + HOA) / Gross monthly income

In depth

Compute the front-end (housing) debt-to-income ratio used in mortgage qualification. PITI (principal + interest + taxes + insurance) plus HOA dues are summed and divided by gross monthly income. Conventional underwriting typically caps the ratio at 28 %.