What debts are included in back-end DTI?

All minimum monthly debt payments: housing (PITI), car loans, student loans, credit card minimums, personal loans, child support, alimony, and any other installment debt. Not utilities, groceries, or discretionary spending.

What is the maximum back-end DTI for approval?

Conventional: 36-43% (45% with strong compensating factors). FHA: 43-50% with compensating factors. VA/USDA: 41% guideline. Automated underwriting can approve higher DTIs for excellent credit.

How can I reduce my back-end DTI before applying?

Pay off small installment loans and credit card balances (eliminates the minimum payment entirely). Even paying off a $200/month car payment can reduce DTI by 2-3% on a $100,000 income.

Back-End Debt-to-Income Ratio Calculator

Calculate back-end DTI: all monthly debt obligations divided by gross monthly income. Includes housing, car loans, student loans, credit cards, and other minimum payments.

Use the full interactive calculator below, or

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Front-End DTI

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Qualifying Income

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Back-End Debt-to-Income Ratio Calculator

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Frequently Asked Questions

What debts are included in back-end DTI?

What is the maximum back-end DTI for approval?

How can I reduce my back-end DTI before applying?