![]() ![]() One for the front-end (your proposed housing payment).One for all of your monthly liabilities divided by your gross monthly income (back-end DTI ratio), and one for just your proposed monthly housing expense (including taxes and insurance) divided by income (front-end DTI ratio).įront-End and Back-End Debt-to-Income Ratios Well, before you think you’re done calculating your DTI, you should know that the debt-to-income ratio goes into greater detail and comes up with two separate percentages. Annual gross income (as reported on your tax returns/W-2 form): $120,000.– Qualifying Rate for Debt-to-Income Ratio Let’s look at a basic example of the debt-to-income ratio: – Stated Income to Avoid Debt-to-Income Ratio Problems – What’s Included in the Debt-to-Income Ratio – Front-End and Back-End Debt-to-Income Ratios
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