Know your DTI before applying for a mortgage or loan. Most lenders require DTI under 43%.
Monthly Debt Payments
| DTI Range | Assessment |
|---|---|
| Under 28% | Excellent — best rates available |
| 28%–36% | Good — approved by most lenders |
| 36%–43% | Acceptable — FHA/conventional possible |
| Above 43% | High — most lenders will decline |