Enter your income and monthly debts to see your debt-to-income ratio and which loan programs you likely qualify for.
This calculator shows where you fall against typical guidelines — but real approvals factor in credit, reserves, and compensating factors. We shop 50+ lenders to find the program that fits you.
Different lenders allow different DTI limits. We match your profile to the programs most likely to approve.
Strong credit, reserves, or a larger down payment can push your approved ratio higher than the guideline.
Know your real buying power and which programs you qualify for before you start shopping — at no cost.
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Lenders lean heavily on your debt-to-income (DTI) ratio to decide how much home you qualify for. It compares your monthly debt payments to your gross income. Checking your DTI before you shop tells you where you stand and whether paying down a balance could unlock a bigger budget.
A lower DTI generally means more borrowing power and smoother approval. Knowing your number early lets you strengthen it before you apply for a Florida mortgage.
Enter your gross monthly income and recurring debt payments, and we calculate your front-end and back-end DTI ratios so you can see how lenders will view you.
Many programs look for a back-end DTI around 43% or below, though some allow higher with strong credit or reserves. Lower is better for approval and rate.
Pay down revolving balances, avoid new debt before closing, or increase income. Even small changes can improve your ratio.
Yes — it's a primary factor in your maximum loan. Improving it can meaningfully raise your budget.
General information for Florida home buyers and sellers, not legal, tax, or lending advice. Figures are planning estimates; your final numbers come from your lender, title company, and closing agent.
The numbers are the start — a local Divito Real Estate Group agent turns them into a plan across South Florida and the Treasure Coast.