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KANSAS MORTGAGE GLOSSARY

Debt-to-Income Ratio (DTI)

Plain-English definition with Kansas context. Written for homebuyers, not mortgage bankers.

What is DTI?

Debt-to-Income ratio (DTI) is the percentage of your gross monthly income used to pay monthly debts. Lenders use DTI to determine how much home you can afford. Most conventional loans cap DTI at 43-45%. FHA allows up to 57% with compensating factors.

More detail

There are two DTI ratios: front-end (housing payment ÷ income) and back-end (total debt payments ÷ income). Back-end is the number underwriters focus on.

Related terms

income · debt · affordability · underwriting

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