Debt To Income Ratio To Buy A House File

The percentage of your gross monthly income used to pay all monthly debt obligations, including your new mortgage, car loans, student loans, and credit card minimums. Ideal: 36% or lower. Maximum DTI by Loan Program (2026)

The maximum allowable DTI varies significantly depending on the loan type you choose: Understanding Debt-to-Income Ratio - Citizens Bank debt to income ratio to buy a house

Lenders evaluate two specific ratios to determine affordability: The percentage of your gross monthly income used