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Debt-to-income check

Lenders look at how your monthly debts compare to your income. Enter three numbers and see where you stand, and which direction your file likely points.

Your numbers

Before taxes. Include all borrowers on the loan. Self-employed or 1099? Use your average from the last two years of returns, or call us; that math is our specialty.
Minimum payments on credit cards, car loans, student loans, personal loans, child support/alimony. Don't count utilities, groceries, insurance, or the rent you're leaving behind.
Your future total payment: principal, interest, taxes, insurance, HOA. Not sure? Estimate it with the payment calculator →
Your debt-to-income ratio
42%
▲
0%50%57%70%+
VA loans play by different rules. There's no fixed DTI cap. Approval leans on residual income, so VA approves eligible veterans at ratios other programs won't touch.
This is a first look. Underwriting calculates DTI from your credit report and full file, and it often comes out better than borrowers expect. Call 303-669-2102 or start an application.

How lenders read this number

Back-end DTI, the big number above, is your new housing payment plus all monthly debts, divided by gross monthly income. It's the number that drives most approvals. Front-end DTI is the housing payment alone against your income; some programs look at it, most lean on the back-end.

As a rule of thumb: conventional loans can approve up to a 50% back-end ratio with strong automated-underwriting findings. FHA can stretch to roughly 57% with an automated approval. VA has no hard cap at all. And above those ranges, there are alternative programs, bank statement, DSCR, and asset-based loans, that qualify you without a traditional DTI calculation. A high number on this page is a reason to call.