Manual Underwriting Tool

FHA DTI Calculator

Calculate your debt-to-income ratios and see if your compensating factors can help you qualify under FHA manual underwriting guidelines.

Monthly Income

Enter your gross (before taxes) monthly income

Gross Monthly Income

Proposed Housing Expenses

Enter your expected monthly housing costs

Principal & Interest

Property Taxes (monthly)

Homeowners Insurance

HOA Fees

Mortgage Insurance (MIP)

Other Monthly Debts

Enter minimum monthly payments for all debts

Car Payments

Credit Card Minimums

Student Loans

Other Debts

Credit Score

Enter your current credit score (determines LTV/down payment)

Credit Score

Compensating Factors

Select the strengths that apply to your situation. More factors = higher DTI limits allowed.

Cash Reserves

3+ months of mortgage payments verified in the bank

Income Increase

At least $100 or 5% increase in income

Residual Income

Plenty of money left over after all bills are paid

Minimal Payment Shock

New payment is similar to current rent/mortgage

Employment Stability

Long-term employment in the same field (2+ years)

No Discretionary Debt

Limited credit card or consumer debt

Selected Factors: 0 → No Strengths

Your Results

Front-End DTI (Housing)0.0%

Limit: 31% (No Strengths)

Back-End DTI (Total)0.0%

Limit: 43% (No Strengths)

Monthly Income$0

Housing Payment$0

Total Debts$0

DTI Limits Reference

No Strengths31% / 43%

One Strength37% / 47%

Two+ Strengths40% / 50%

Ready to Apply?

Get pre-qualified with a licensed mortgage professional who can review your full situation.

Learn More About FHA Manual Underwriting

Read our comprehensive guide to understand all the requirements, documentation needed, and how to strengthen your application.

Disclaimer: This calculator is for educational purposes only and provides estimates based on FHA manual underwriting guidelines. Actual loan approval depends on many factors including credit history, employment verification, property appraisal, and lender requirements. Consult with a licensed mortgage professional for personalized advice. NorthStar Funding NMLS #139369.