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Both of your debt-to-income ratios

Front-end is housing over income. Back-end is everything over income. This shows both and which one is tighter. It runs entirely in your browser, with no credit inquiry of any kind.

Your monthly figures

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Gross monthly income

Primary income

Before taxes and deductions.

Other income

A co-borrower, a second job, or documented recurring income.

Proposed housing payment

Principal and interest

Taxes and insurance

The monthly escrow portion, plus mortgage insurance if it applies.

HOA or condo dues

Other monthly debts

Recurring obligations only. Not utilities, groceries, or insurance you pay outside the mortgage.

Auto loans and leases

Student loans

Credit card minimums

Other obligations

Personal loans, child support, alimony.

Front-end

34.4%

housing payment over income

Back-end

43.8%

all obligations over income

Gross monthly income: $8,000
Housing payment: $2,750
Other debts: $750
Total monthly obligations: $3,500

The front-end ratio is the tighter of the two

The housing reference point leaves less room than the total-debt one. Under these inputs, a lower housing payment moves this more than paying down another obligation would.

Calculation version mortgage-math@1.0.0

The 28 and 43 reference points

28.0% of income toward housing and 43.0% toward all obligations are figures the industry quotes often. They are reference points for orientation, not approval thresholds. Real limits vary by loan program, lender overlay, credit profile, reserves, and property type, and plenty of loans are made outside them.

Housing payment at the 28.0% reference: $2,240
Housing payment left at the 43.0% reference, after your other debts: $2,690
Room left under the tighter reference, negative if you are over it: -$510