Debt-To-Income (Dti) Ratio
Fannie Mae
Updated 10-31-2026
Debt-To-Income (Dti) Ratio
A ratio derived by dividing the borrower's total monthly obligations (including housing expense) by their stable monthly income. This calculation is used to determine the mortgage amount for which a borrower qualifies. This term is used interchangeably with "total debt-to-income ratio".
Fannie Mae Glossary of Terms
Fannie Mae · p. 11
California Association of Realtors
Updated 10-31-2026
Debt-To-Income (Dti) Ratio
The ratio of monthly debt payments to monthly gross income. Lenders use a housing DTI ratio (house payment divided by monthly income) and a total DTI ratio (total debt payments including the house payment divided by monthly income) to determine whether a borrower's income qualifies him or her for a mortgage.
California Association of Realtors Glossary
California Association of Realtors · p. 4
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