Calculate your front-end (housing) and back-end (all debts) DTI ratios and see exactly how lenders evaluate your loan application.
Lenders use two DTI thresholds: Front-end ≤ 28% (housing costs only) and back-end ≤ 36% for conventional loans (up to 43% for FHA). Your back-end DTI is the more critical number — it includes every recurring debt obligation including minimums on credit cards.