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Loan basics

Back-end DTI

Also known as: total DTI, back end ratio, total debt ratio

Housing plus other monthly debts, divided by gross monthly income.

Back-end DTI (total debt ratio) adds non-housing debts-such as car loans, student loans, and minimum credit card payments-to housing costs, then divides by gross monthly income. A common educational guideline is about 36%. Some programs allow higher ratios with compensating factors; this calculator’s targets are editable estimates only.

See also

Debt-to-income (DTI)Front-end DTIAffordability
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Definitions are for general education. Loan products, insurance, and taxes vary by lender, location, and your situation. FinanceFlow calculators produce estimates only and are not a lender quote or professional advice.