DTI calculator
Front-end and back-end debt-to-income. Programs typically constrain back-end DTI; front-end is informational.
Principal, interest, taxes, insurance, association fees.
Credit cards (minimums), auto, student loans, child support, etc.
Back-end DTI
38.4%
Tier 2 — most conventional programs OK
Front-end DTI (housing only)
33.7%
Most conventional programs cap front at 28-36%.
Front-end: housing payment / gross monthly income. Back-end: (housing + other monthly debt) / gross monthly income. Conventional programs typically cap back-end at 45-50%, with high-DTI overlays available up to 50-55% on some programs.
The platform's eligibility predicates check DTI as a Stage 1 filter; a borderline borrower may qualify for some programs but not others. The ineligible reasons returned from /v1/pricing/eligibility surface this directly.