: The percentage of income covering all monthly debt obligations plus the new mortgage.
Lenders use this percentage to determine if you can comfortably manage a new house payment alongside existing obligations. Use this formula to manually estimate your ratio: debt to income ratio calculator to buy a house
DTI=(Total Monthly Debt PaymentsGross Monthly Income)×100DTI equals open paren the fraction with numerator Total Monthly Debt Payments and denominator Gross Monthly Income end-fraction close paren cross 100 Gather these specific figures to use in a calculator: : The percentage of income covering all monthly
: The estimated principal, interest, taxes, and insurance (PITI). AI responses may include mistakes
AI responses may include mistakes. For financial advice, consult a professional. Learn more What is debt to income ratio? | U.S. Bank
Goal: Ideally below , though many lenders allow up to 43%–50% . 4. Standard DTI Requirements (2026)
: Include only minimum required payments for: