Last updated: March 2026 · CFPB Qualified Mortgage standards applied
Your Debt-to-Income (DTI) ratio is the single most important metric a mortgage lender evaluates alongside your credit score. It measures the percentage of your gross monthly income that goes toward paying your recurring monthly debts.
Lenders generally adhere strictly to the "28/36 Rule":
Lenders DO Include:
Lenders do NOT Include:
Most conventional lenders require a back-end DTI of 43% or lower for a Qualified Mortgage (CFPB standard). Some lenders go up to 50% for borrowers with strong credit and assets. FHA loans allow up to 43% DTI with a 580+ credit score, or up to 50% with compensating factors. VA loans technically have no DTI limit, but most lenders cap at 41%.
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Include car loans, student loans, min. credit card payments, alimony, etc.
Your DTI Ratio
You are well below the 28% front-end limit. Most lenders will love your DTI.