Mortgage Qualification DTI
Check mortgage qualification across Conventional, FHA, VA, and USDA using each program thresholds.
Your income and debt figures are calculated on your device — never uploadedTry: Housing debt/mo=1500, Other debt/mo=400, Gross monthly income=6000, Loan type=conv → Conventional, 25.0%, 28%, Pass, 31.7%, 36%, Pass
How to use
Pick the loan type and enter your debts and income. The calculator applies that program thresholds (conventional 28/36, FHA 31/43, VA 41 back, USDA 29/41) and tells you pass or fail plus how far over you are.
FAQ
Which program is most lenient?
VA and USDA allow higher back-end ratios; conventional is strictest on the front-end.
What if I fail one program?
Try another — FHA often accepts ratios that conventional rejects.