Questions · Debt-to-income

Debt-to-income questions

Q: What is DTI on $6,000 income with $1,800 housing and $400 other debt?

Stated sample only: front-end 30.0%, back-end 36.7%. Not underwriting.

Q: Where can I learn about mortgages from a government source?

The CFPB publishes consumer mortgage tools and guides on consumerfinance.gov.

Sample ratio math—not credit decisions.

Calculator · How we calculate · CFPB mortgages

Written & maintained by John Rey Balais Developer · Nestfigure

Math

What is DTI on $6,000 income with $1,800 housing and $400 other debt?

Stated sample only: front-end 30.0%, back-end 36.7%. Prefill calculator · Example page.

What is front-end vs back-end DTI?

Front-end uses housing payments only. Back-end adds other monthly debts you include, all divided by monthly gross income.

Limits

Does Nestfigure decide if I qualify for a loan?

No. Nestfigure only calculates ratios from your inputs. Lenders set their own criteria.

Product

Where can I learn about mortgages from a government source?

See CFPB mortgage tools.

Educational only. Last reviewed: August 9, 2026. Sample uses $6,000.00 monthly gross.

YMYL notice: This site is for education only. It is not financial, tax, or investment advice. Nestfigure is not a bank, credit union, broker, investment adviser, or fiduciary. Product terms, rates, and penalties vary—always read your institution’s disclosures before acting. Calculator results are mathematical estimates, not bank quotes.