Last reviewed 10-31-2026Short-Sale.com Editorialglossary
Front-End Ratio
HUD Housing Counselors Glossary
Updated 10-31-2026
Front-End Ratio
The front-end ratio calculates a borrower's housing expenses as a percentage of their gross monthly income. Used by counselors to measure client housing affordability, and lenders to qualify borrowers for a mortgage. Front-end Ratio is also called a Housing Ratio.
HUD Housing Counselors Glossary
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