NorthStar Funding
FHA Loan Calculator

FHA DTI Calculator

Calculate your debt-to-income ratios to see if you qualify for FHA financing. Includes standard limits and manual underwriting thresholds.

Income Information

$

Proposed Housing Expenses

$
$
$
$
$

Monthly Debt Payments

$
$
$
$

Credit Score Range

Likely to Qualify

Your DTI ratios are within FHA standard guidelines

Debt-to-Income Ratios

Housing Ratio (Front-End)0.0%
0%31% limit40% manual50%
Total DTI (Back-End)0.0%
0%43% limit50% manual60%

Payment Summary

Total Housing Payment$0
Total Monthly Debts$0
Total Monthly Obligations$0

Ready to Get Pre-Qualified?

Get a personalized review of your FHA eligibility with no impact to your credit score.

Understanding FHA DTI Requirements

Standard Limits

  • 31% Housing Ratio (Front-End)
  • 43% Total DTI (Back-End)
  • AUS automated approval likely

Manual Underwriting Limits

  • Up to 40% Housing Ratio
  • Up to 50% Total DTI
  • Requires compensating factors

This calculator provides estimates only. Actual eligibility depends on complete financial review and verification of all income and debts.

© 2026 NorthStar Funding. All rights reserved. NMLS #139369

Calculator results are estimates only and do not constitute a loan approval or commitment to lend.