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Income vs housing vs other debts — front-end and back-end DTI screening.
Results
Front-end DTI (housing)
27.5% · Comfortable
Back-end DTI (all debts)
35.0% · Comfortable
Front-end (housing) DTI 28% · back-end (all debts) 35%. DTI looks comfortable for screening — lenders also review credit, reserves, and full PITI.
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Front-end DTI is housing payment divided by gross monthly income. Back-end adds car loans, student debt, minimum card payments, and other recurring obligations.
Many conventional programs screen near 28% front-end and 36–43% back-end, but guidelines vary by product, credit score, and reserves.
DTI ignores lifestyle costs — childcare, commuting, insurance — that still matter for your comfort. Use it as one input, not the whole picture.
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