What is the maximum front-end DTI for mortgage approval?

Conventional: 28% standard (some lenders allow 31-35% with compensating factors). FHA: 31% standard (up to 40% with compensating factors). VA: no front-end limit but 41% total DTI guideline.

What is included in the front-end ratio?

PITI only: mortgage principal and interest, property taxes (monthly escrow), homeowners insurance (monthly escrow), PMI if applicable, and monthly HOA fees.

What if my front-end DTI is too high?

Options: larger down payment to reduce P&I; choose a less expensive home; wait until income increases; pay off taxes or insurance separately in states with no escrow requirement.

Front-End Debt-to-Income Ratio Calculator

Calculate front-end DTI (housing expense ratio): total monthly housing costs divided by gross monthly income. Standard limit is 28% for conventional loans.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate front-end DTI (housing expense ratio): total monthly housing costs divided by gross monthly income. Standard limit is 28% for conventional loans. Use the front-end dti result to inform your calculation.

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Frequently Asked Questions

What is the maximum front-end DTI for mortgage approval?

What is included in the front-end ratio?

What if my front-end DTI is too high?