What is a good debt-to-income ratio for a mortgage?

Most lenders prefer a DTI below 43%, with under 36% considered excellent.

What is front-end vs back-end DTI?

Front-end DTI includes housing costs only, while back-end DTI includes all monthly debts.

Are DTI limits different for NY co-ops?

Yes. Many NY co-op boards enforce stricter DTI limits than traditional lenders.

Debt-to-Income Ratio Calculator | NY Mortgage DTI Tool

Debt-to-Income Ratio Calculator (DTI)

Your debt-to-income ratio (DTI) is key to mortgage approval. This tool includes NY-specific loan limits, front-end/back-end DTI, and a personalized Rent vs Buy suggestion.

DTI Type Loan Program Location Gross Monthly Income ($) Monthly Housing Payment ($) Other Monthly Debts ($)

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Curious about your rent vs buy options in NY? Use our Rent vs Buy Calculator to compare your long-term costs.

Front-End vs Back-End DTI Explained

Front-end DTI includes housing costs only. Back-end DTI includes all recurring debts. NY lenders rely heavily on back-end DTI for co-ops and jumbo loans.

NY Mortgage DTI Limits by Loan Program

Conventional: up to 43%
FHA: up to 50%
Jumbo: 38–43%
Co-op: often below 40%

Why DTI Matters in New York

High property taxes, HOA fees, and home prices in NYC, Long Island, and Westchester make DTI a critical approval factor.

Debt-to-Income Ratio FAQs

What is a good DTI for a mortgage?

Below 36% is ideal; most lenders cap approval at 43%.

Can I qualify with a high DTI in NY?

Strong credit, assets, and income stability may help.

Do co-ops calculate DTI differently?

Yes, many NY co-op boards enforce stricter DTI limits.