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Calculator Rates Calculate Your Debt to Income Ratio. Use this to figure your debt to income ratio. A backend debt ratio greater than or equal to 40% is generally viewed as an indicator you are a high risk borrower.

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Your debt-to-income ratio, or DTI, plays a large role in whether you’re ready and able to qualify for a mortgage. It’s the percentage of your income that goes toward paying your monthly debts.

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Debt-to-Income (DTI) ratio. Your DTI ratio compares how much you owe with how much you earn in a given month. It typically includes monthly debt payments such as rent, mortgage, credit cards, car payments, and other debt.

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