US DTI & Mortgage Affordability Calculator: Calculate Ratios & PITI

Updated for 2026 Lending Standards

How much home can you afford?

Calculate your Front-End and Back-End DTI ratios accurately.
Includes PITI (Principal, Interest, Taxes, Insurance) estimation.

Income Information

Annual Gross Income

$ / year

Pre-tax income from all sources (W-2, 1099, etc.)

New Home Mortgage Details

Home Price

Down Payment

Estimated Loan Amount $0

Interest Rate

Loan Term

Taxes, Insurance & HOA

Property Tax (Annual)

Home Insurance (Annual)

HOA Fees (Monthly)

Monthly Debt Obligations

Add monthly payments for Credit Cards, Student Loans, Auto Loans, etc.

Your financial data is processed locally and never sent to a server.

Your Affordability Analysis

Front-End Ratio

Housing costs / Gross Income
(Standard Limit: 28%)

Back-End Ratio

Total Debts / Gross Income
(Standard Limit: 36-43%)

Loan-to-Value (LTV)

Loan Amount / Home Price
(PMI required if > 80%)

Estimated Monthly Housing Payment

Principal & Interest $0

Property Tax (Est. Monthly) $0

Home Insurance (Est. Monthly) $0

HOA Fees $0

Total Monthly Payment (PITI) $0

Monthly Amortization Schedule (Principal & Interest)

Month	Principal	Interest	Remaining Balance

Understanding US Mortgage Guidelines

Front-End Ratio (Housing Ratio)

The percentage of your gross monthly income that goes towards housing costs (PITI + HOA). Most conventional loans prefer this to be under 28%.

Back-End Ratio (Total Debt Ratio)

The percentage of gross income that goes towards all debt payments (Housing + Credit Cards + Loans). Most lenders prefer this to be under 36%, though some loan programs (like FHA) allow up to 43% or even 50%.