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| Back-end DTI | How lenders tend to see it |
|---|---|
| Under 36% | Comfortable; strongest approval odds |
| 36%–43% | Acceptable for most mortgages |
| 43%–50% | Possible with strong credit, reserves or specific programs |
| Over 50% | Hard to qualify for most new credit |
Monthly debt allowed by income
| Annual income | 28% housing | 36% total | 43% total |
|---|---|---|---|
| $40,000 | $933 | $1,200 | $1,433 |
| $60,000 | $1,400 | $1,800 | $2,150 |
| $80,000 | $1,867 | $2,400 | $2,867 |
| $100,000 | $2,333 | $3,000 | $3,583 |
| $150,000 | $3,500 | $4,500 | $5,375 |
Sources and assumptions
Related
Frequently asked questions
Is 40% DTI good?
It is acceptable for many mortgages but above the 36% comfort guideline.
What DTI is too high for a mortgage?
Above 50% most programs will decline; above 43% approval often needs compensating factors.