Debt Ratio
Last updated 2026-08-01
CFPB
Updated 2026-08-01
Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow. Learn how to calculate your debt-to-income ratio (cfpb.gov/askcfpb/1791).
CFPB Mortgage Terms
CFPB · pp. 6–10
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