{"id":36436,"date":"2026-04-28T16:41:13","date_gmt":"2026-04-28T16:41:13","guid":{"rendered":"https:\/\/indafunds.com\/?p=36436"},"modified":"2026-04-28T16:41:14","modified_gmt":"2026-04-28T16:41:14","slug":"what-is-a-debt-to-income-ratio-for-a-mortgage","status":"publish","type":"post","link":"https:\/\/indafunds.com\/?p=36436","title":{"rendered":"What Is A Debt-To-Income Ratio For A Mortgage?"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            PC Photography\/Getty Images: Illustration by Issiah Davis\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div>\n<div id=\"block_f662d4e2e3d4a08c68caa8fb777e5e7c\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Your debt-to-income (DTI) ratio represents the percentage of income you have left after making monthly debt payments.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Your DTI is a key factor in mortgage approval. Most lenders prefer DTI ratios of 36 percent or below.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            With a lower DTI, you\u2019re more likely to be approved, and you\u2019ll get a better interest rate.\n                                                <\/li>\n<\/ul>\n<\/div>\n<h2 id=\"what-is\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is a debt-to-income ratio?\" data-outcome=\"\">What is a debt-to-income ratio?<\/h2>\n<p>Your debt-to-income ratio measures the percentage of your gross \u2014 or pretax \u2014 monthly income that you spend on recurring debt payments. This includes things like mortgage payments, rent payments, child support obligations, outstanding credit card balances and payments on other loans. Your <u>income<\/u> includes all the money you earn from your job and other sources, such as rental property income and Social Security payments.<\/p>\n<h3>Types of DTI ratios<\/h3>\n<p>Lenders typically focus on two kinds of DTI ratios.<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Front-end ratio: <\/strong>Also called the housing ratio or mortgage-to-income ratio, this shows what percentage of your income would go toward housing expenses if you were approved for your mortgage. It includes your monthly mortgage payment  \u2014 <u>principal and interest<\/u> \u2014 and any payments you make into your escrow account toward property taxes and <u>homeowners insurance<\/u> premiums, as well as mortgage insurance and homeowners association fees, if applicable.<\/li>\n<li>\n<strong>Back-end ratio:<\/strong> This shows how much of your income is required to pay all your monthly debt obligations. Living expenses, such as groceries and utilities, are not included.<\/li>\n<\/ul>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Star Icon<\/title>\n<path d=\"M8.244 24a1.92 1.92 0 0 1-1.19-.415 2.122 2.122 0 0 1-.778-2.042l.762-4.63a.706.706 0 0 0-.196-.622L3.61 13.01a2.15 2.15 0 0 1-.517-2.137c.238-.77.853-1.324 1.624-1.436l4.469-.675a.683.683 0 0 0 .516-.39l2.001-4.214C12.05 3.441 12.73 3 13.5 3c.77 0 1.451.45 1.796 1.16l2 4.213a.697.697 0 0 0 .517.39l4.47.675c.762.112 1.385.666 1.623 1.436a2.15 2.15 0 0 1-.517 2.137l-3.23 3.28a.73.73 0 0 0-.197.622l.762 4.63a2.127 2.127 0 0 1-.787 2.042 1.91 1.91 0 0 1-2.116.173l-3.993-2.19a.664.664 0 0 0-.648 0l-3.993 2.19A1.903 1.903 0 0 1 8.26 24h-.016Z\" fill=\"transparent\" class=\"icon-offset\"\/><path d=\"M6.494 23c-.439 0-.877-.145-1.246-.435a2.223 2.223 0 0 1-.816-2.14l.799-4.849a.74.74 0 0 0-.206-.653L1.64 11.488a2.253 2.253 0 0 1-.541-2.24c.249-.806.893-1.386 1.7-1.504l4.682-.707a.716.716 0 0 0 .542-.408l2.096-4.414C10.479 1.462 11.193 1 12 1c.807 0 1.52.471 1.881 1.215l2.096 4.414a.73.73 0 0 0 .542.408l4.681.707c.8.118 1.452.698 1.701 1.505.24.798.035 1.659-.54 2.239l-3.386 3.435a.764.764 0 0 0-.206.653l.8 4.85c.137.825-.181 1.64-.825 2.139a2.001 2.001 0 0 1-2.217.181l-4.183-2.293a.696.696 0 0 0-.679 0l-4.184 2.293c-.309.172-.644.254-.97.254h-.017ZM11.99 2.46a.713.713 0 0 0-.652.416L9.242 7.291c-.309.643-.893 1.097-1.58 1.196l-4.682.707a.717.717 0 0 0-.584.517.735.735 0 0 0 .18.752L5.961 13.9c.498.508.721 1.233.61 1.949l-.8 4.85a.735.735 0 0 0 .276.716c.232.181.524.2.773.063l4.184-2.293a2.015 2.015 0 0 1 1.95 0l4.183 2.293a.69.69 0 0 0 .773-.063.753.753 0 0 0 .284-.716l-.8-4.85a2.253 2.253 0 0 1 .61-1.949l3.385-3.435a.732.732 0 0 0 .18-.753.717.717 0 0 0-.583-.517l-4.682-.707c-.679-.1-1.272-.553-1.58-1.196l-2.097-4.415a.705.705 0 0 0-.653-.417h.017Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Keep in mind:<br \/>\n        <\/strong><br \/>\n        \u201cDTI ratio\u201d often refers specifically to the back-end ratio. Although both ratios play a part in mortgage approval, for conventional loans, lenders typically focus on the overall tally of your debts vis-\u00e0-vis your income.\n    <\/p>\n<\/div>\n<h2 id=\"how-to-calculate\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to calculate your debt-to-income ratio\" data-outcome=\"\">How to calculate your debt-to-income ratio<\/h2>\n<p>Follow these steps to <u>calculate your back-end DTI ratio<\/u> before applying for a mortgage:<\/p>\n<ol class=\"wp-block-list\">\n<li>\n<strong>Add up your monthly debt payments: <\/strong>Factor in all your recurring debt obligations, including any personal loans, auto loans, child support or alimony, student loans and credit cards. If you\u2019re applying with someone else, combine your monthly debts. You should also include your proposed monthly housing payment (which consists of your principal mortgage payment, interest, real estate taxes, and homeowners insurance. Don\u2019t include other monthly expenses like food and utilities.<\/li>\n<li>\n<strong>Divide your debts by your monthly gross income:<\/strong> Next, divide your debt payments by your pre-tax monthly income. Again, make sure you\u2019re using the combined debts and income of all <u>mortgage applicants<\/u>.<\/li>\n<li>\n<strong>Convert the figure into a percentage: <\/strong>The final step is to convert your DTI ratio from a decimal to a percentage by multiplying it by 100.<\/li>\n<\/ol>\n<h3>Debt-to-income ratio examples<\/h3>\n<p>Let\u2019s say your monthly gross income is $6,000. Your proposed monthly housing payment comes\u00a0 to $1,800. Each month you also pay $500 toward your car loan, $150 toward your student loans and $200 toward credit card bills.<\/p>\n<p>To calculate your front-end ratio, add up your monthly housing expenses, divide that by your gross monthly income, then multiply the result by 100. It comes to 30 percent:<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p><strong>$1,800 \u2797 $6,000 X 100 = 30%<\/strong><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>To determine your back-end ratio, add up all your monthly debt payments \u2014 that totals $2,650. Then divide the result by your monthly gross income and convert it into a percentage. It comes to 44 percent:<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p><strong>$2,650 \u2797 $6,000 X 100 = 44%<\/strong><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"what-is-a-good-ratio\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What is a good debt-to-income ratio?\" data-outcome=\"\">What is a good debt-to-income ratio?<\/h2>\n<p>Lenders generally look for the ideal candidate\u2019s front-end ratio to be no more than 28 percent and the back-end ratio to be no higher than 36 percent. They then work backward to figure out how much of a mortgage loan and monthly payment you can afford.<\/p>\n<p>That said, lenders do approve borrowers with higher DTIs. In some cases, they will go as high as 50 percent, but you\u2019ll need to have some compensating factors, such as a savings account with a balance equal to six months\u2019 worth of housing expenses.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Having a lower DTI ratio doesn\u2019t just make it easier to get approved for a mortgage. It can also help you get a better interest rate.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>Why does your debt-to-income ratio matter to lenders?<\/h3>\n<p>Lenders assess your DTI ratio to determine if you can comfortably afford to make monthly mortgage payments. A solid credit score, stable earnings and exceptional payment history are important. But if your monthly debt repayments already eat up a lot of your income, a <u>mortgage lender<\/u> might think it\u2019s too risky to extend you financing.<\/p>\n<h2 id=\"debt-to-income-ratio\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Debt-to-income ratio requirements by loan type\" data-outcome=\"\">Debt-to-income ratio requirements by loan type<\/h2>\n<p>The <u>type of mortgage<\/u> you want affects the DTI parameters. The range isn\u2019t huge, and a lot is at the individual lender\u2019s discretion, but different loans do have different thresholds.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes wrapped\">\n<tbody>\n<tr>\n<td><strong>Loan type<\/strong><\/td>\n<td><strong>Front-end DTI<\/strong><\/td>\n<td><strong>Back-end DTI<\/strong><\/td>\n<td><strong>Maximum back-end (with exceptions)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><u>Conventional loan<\/u><\/td>\n<td>28%<\/td>\n<td>36%<\/td>\n<td>45%-50%<\/td>\n<\/tr>\n<tr>\n<td><u>FHA loan<\/u><\/td>\n<td>36%<\/td>\n<td>43%<\/td>\n<td>Up to 50%<\/td>\n<\/tr>\n<tr>\n<td><u>VA loan<\/u><\/td>\n<td>No set limits<\/td>\n<td>41% recommended<\/td>\n<td>May go above 50%<\/td>\n<\/tr>\n<tr>\n<td><u>USDA loan<\/u><\/td>\n<td>29%<\/td>\n<td>41%<\/td>\n<td>Up to 44%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"how-to-lower\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to lower your debt-to-income ratio\" data-outcome=\"\">How to lower your debt-to-income ratio<\/h2>\n<p>\u201cThe best place to start is reducing debt. There are multiple ways to go about this, including paying off high-interest loans, making extra payments and consolidating debt,\u201d says Matthew Sanford, assistant vice president of mortgage lending at Skyla Federal Credit Union in Charlotte, North Carolina.<\/p>\n<p>Here are some other ways to get a better debt-to-income ratio:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong><u>Refinance<\/u><\/strong><strong> existing loans: <\/strong>If rates are lower now than when you first took out these loans, refinancing can lower your monthly payment.<\/li>\n<li>\n<strong>Pay off high-interest loans:<\/strong> More expensive loans have more weight in your DTI calculation, so paying them off first will improve the ratio. Consider opening a balance transfer credit card to reduce interest and pay off your debt faster. You may also consider a debt consolidation loan, which has the advantage of a fixed interest rate.<\/li>\n<li>\n<strong>Get a co-signer:<\/strong> If someone with sufficient income and good credit \u2014 better than yours, preferably \u2014 is willing to sign onto the loan with you, it\u2019ll boost your candidacy. With conventional loans, the co-signer often has to reside in the house. <u>FHA loans<\/u> don\u2019t carry that requirement.<\/li>\n<li>\n<strong>Seek out <\/strong><strong><u>additional income<\/u><\/strong><strong>:<\/strong> If you\u2019re able to earn more, it will help improve your DTI ratio. Consider picking up a second job or starting a side hustle, like driving for a rideshare service, to make some extra cash.<\/li>\n<li>\n<strong>Look into <\/strong><strong><u>loan forgiveness<\/u><\/strong><strong>: <\/strong>These types of programs may eliminate some of your debt entirely. However, it\u2019s important to weigh the pros and cons. While you\u2019ll get out of debt faster, loan forgiveness programs can have a negative impact on your credit score, and you may owe taxes on the amount forgiven. Consider talking with a lawyer before signing up for a program.<\/li>\n<\/ul>\n<h3>How quickly can I improve my DTI ratio?<\/h3>\n<p>If you can boost your income or have cash reserves that you can use to pay off debt, you could improve your mortgage debt-to-income ratio quickly. But realistically, if you\u2019re saving for a home, you can\u2019t afford to put all your savings toward paying off existing debt, so you\u2019ll want to take a slow, steady approach over weeks or months.<\/p>\n<p>It will probably take at least a month or two for any changes to be reflected in your credit history and a billing cycle or two for a significant change to register on your <u>credit score<\/u>.<\/p>\n<h2 id=\"faq\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQ\" data-outcome=\"\">FAQ<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I get a mortgage with a high DTI?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            It can be possible to get a mortgage with a higher-than-ideal debt-to-income ratio. However, it depends on the type of loan you\u2019re applying for and your DTI. FHA loans and VA loans typically allow for higher DTI ratios, provided those applicants show a strong credit history and financial reserves. Being able to make a large down payment helps, too.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Does DTI impact my credit score?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            \u200b\u200bYour debt-to-income ratio doesn\u2019t directly shape your credit score because your credit report does not include information about your income. However, your total amount of debt does play a role in determining your credit score, especially in terms of your credit utilization ratio or how close to your credit card limits your balances are. If you improve your DTI by paying off various obligations, it will help improve your credit score, too.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are the limitations of the debt-to-income ratio?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            When applying for a mortgage, the debt-to-income ratio is certainly important, but it\u2019s just one of many factors that lenders consider when reviewing your mortgage application. They\u2019ll also look at your credit score, employment record and down payment size.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"brTJjfTpSd\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/why-debt-to-income-matters-in-mortgages\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>PC Photography\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways Your debt-to-income (DTI) ratio represents the percentage of income you have left after making monthly debt payments. Your DTI is a key factor in mortgage approval. Most lenders prefer DTI ratios of 36 percent or below. With a lower DTI, you\u2019re more likely to be approved, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36437,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[25],"tags":[],"class_list":{"0":"post-36436","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is A Debt-To-Income Ratio For A Mortgage? | Inda Funds<\/title>\n<meta name=\"description\" content=\"PC Photography\/Getty Images: Illustration by Issiah Davis\/Bankrate Key takeaways Your debt-to-income (DTI) ratio represents the percentage of income you\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/indafunds.com\/?p=36436\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is A Debt-To-Income Ratio For A Mortgage? 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