LTV & DTI Calculator
Check the two ratios lenders care about (loan-to-value, and front-end and back-end debt-to-income) and see whether you fall within the common 28/36 guideline. Runs in your browser.
Loan-to-value
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Show the math
Lenders weigh two ratios when sizing a loan:
LTV = loan ÷ value · DTI = monthly debt ÷ gross income
A common guideline is 28% front-end (housing) and 36% back-end (all debts), with PMI typically required above 80% LTV. Lenders vary, so treat these as a screen, not a decision. All math runs locally in your browser.
What this does
An LTV and DTI calculator checks the two ratios lenders weigh (loan-to-value, and front-end and back-end debt-to-income) and whether you fall within the common 28/36 guideline.
How it works
LTV is the loan divided by the home’s value. Front-end DTI counts only housing costs against income; back-end DTI counts all monthly debt payments against income.
How to use it
- Enter the loan amount and home value.
- Enter your gross monthly income.
- Enter housing and other debt payments.
- Read your LTV and DTI ratios.
Understanding your result
Lenders often use a 28% front-end and 36% back-end guideline, though many allow higher ratios with compensating factors. Treat 28/36 as a conservative benchmark.
Example
$1,800 of housing on $6,000 monthly income is a 30% front-end DTI, just above the 28% guideline.
Sources & methodology
- CFPB, What is a debt-to-income ratio?, How DTI is figured and why lenders use it
Last updated .
Frequently asked questions
What is loan-to-value?
LTV is the loan balance divided by the home’s value. Above 80% usually means PMI; lower LTV generally means better loan terms.
What is the difference between front-end and back-end DTI?
Front-end DTI counts only housing costs against income; back-end DTI counts all monthly debt payments. Lenders often use a 28% front-end and 36% back-end guideline.
What DTI do I need to qualify?
Guidelines vary by loan type and lender, many allow higher ratios with compensating factors. Treat 28/36 as a conservative benchmark, not a hard cutoff.
Is my income data stored?
No. All calculations run locally in your browser.
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