Debt-to-Income Ratio for a Mortgage: What You Need to Qualify

Published June 2026 · 4 min read

Your debt-to-income ratio (DTI) is one of the two biggest factors in mortgage approval (alongside credit score). Front-end DTI (housing costs only) should be under 28%. Back-end DTI (all debts) should be under 36% for conventional loans and under 43% for FHA loans. If your DTI is over 43%, getting approved becomes very difficult.

Check your DTI instantly with our Debt-to-Income Ratio Calculator — it only takes 30 seconds.