financeflow

Loan basics

Front-end DTI

Also known as: housing ratio, front end ratio, housing DTI

Total housing payment divided by gross monthly income.

Front-end DTI (also called the housing ratio) is your proposed monthly housing cost-typically principal, interest, taxes, insurance, and often HOA and mortgage insurance-divided by gross monthly income. A common educational guideline is about 28%, but real lender guidelines vary by program and borrower profile.

See also

Debt-to-income (DTI)Back-end DTIPrincipal & interest (P&I)
Open calculators Full glossary View on hub page

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.