: Include only minimum required payments for:
Goal: Ideally below , though many lenders allow up to 43%–50% . 4. Standard DTI Requirements (2026)
: Car loans, student loans, and personal loans. Revolving Debt : Minimum credit card payments. Other : Alimony or child support. debt to income ratio calculator to buy a house
: The estimated principal, interest, taxes, and insurance (PITI).
: Monthly living expenses like groceries, utilities, car insurance, or healthcare. 3. Understanding the Two Types of DTI Lenders look at two different versions of this ratio: : Include only minimum required payments for: Goal:
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:
: The percentage of income that goes only toward your future housing expenses (mortgage, taxes, and insurance). Goal: Ideally below 28% . Revolving Debt : Minimum credit card payments
: Do not finance furniture, a new car, or appliances while in the home-buying process.