Debt
Monthly Gross Income
Monthly Debt Payments
Front-End DTI
Housing only
Back-End DTI
All debts
Risk Assessment
Total Monthly Debts
Max Recommended Housing (28%)
DTI Guidelines
Excellent
≤28%
Highly likely to qualify
Good
28-36%
Generally acceptable
Fair
36-43%
May need improvement
Poor
>43%
Difficult to qualify
1
Front-End DTI: Housing ÷ Gross Income = $ ÷ $ = %
2
Total Debts: $ + $ + $ + $ + $ = $
3
Back-End DTI: Total Debts ÷ Gross Income = $ ÷ $ = %
4
28% Rule: Max Housing = $ × 0.28 = $