Educational tool · free to use

Understand your debt-to-income ratio.

DTI compares your monthly debts to your gross monthly income. It's one of the first numbers a lender looks at — and one you can understand before anyone else looks at anything. No contact information required.

Front-end DTI

Your proposed monthly housing expense— principal & interest, property taxes, homeowners insurance, mortgage insurance, and HOA dues — divided by your gross monthly income.

Back-end DTI

Housing expense plus all other recurring monthly debts — credit-card minimums, auto loans, student loans, and similar obligations — divided by your gross monthly income.

Your amounts stay in your browser: this calculator performs the math on your device and never transmits, stores, or logs the income or debt figures you enter.

Estimate your ratios

The calculator

This is an educational estimate, not a loan application, prequalification, preapproval, commitment to lend, financial or legal advice, or a guarantee of eligibility, terms, rates, or approval.

1 · Gross monthly income

Enter income before taxes, and only the income you intend to use for this mortgage estimate.

Borrower gross monthly income

Before taxes and deductions.

Co-borrower gross monthly income(optional)

Leave blank if there is no co-borrower.

2 · Proposed monthly housing expense

The estimated monthly cost of the home you're considering — not your current rent. (If you'll keep paying for another property, list that payment under debts in section 3.)

Estimated total monthly housing payment

Principal & interest, property taxes, insurance, mortgage insurance, and HOA dues combined.

3 · Other monthly debt payments

Recurring required payments only. Everyday living expenses — utilities, groceries, subscriptions, cell-phone plans — generally are not counted as debt payments for this educational calculation. Blank fields count as zero.

Minimum credit-card payments(optional)

Auto loans or leases(optional)

Student-loan payments(optional)

Personal or installment loans(optional)

Court-ordered support payments(optional)

Payments on other financed properties or retained housing(optional)

Other recurring monthly debt obligations(optional)

No pressure, no obligation

Want to talk through your numbers?

Jason has walked thousands of borrowers through what their numbers mean for the Texas mortgage options available to them. A conversation is free and commits you to nothing.

Start a Conversation or email Jason@medinamortgage.co