BNK-027advanced

Debt-to-Income Ratio

Curriculum v2 node for Debt-to-Income Ratio. Track: lending. Verified lesson content is created and versioned separately.

Review statusgreen

Review cycle365 days

Last reviewed9/21/2026

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intermediate20 minFact checked

Debt-to-Income Ratio

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Prerequisites

BNK-026Loan-to-Value Ratio→

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BNK-028Credit Underwriting→

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Debt-to-income ratio (DTI) is calculated by dividing total monthly debt payments by gross monthly income.

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Lenders use DTI as one measure of a borrower’s ability to manage monthly debt payments and repay new credit.

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Gross monthly income means income before taxes and other payroll deductions, subject to the lender’s verification and eligibility rules.

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DTI commonly includes required monthly debt obligations such as housing payments, auto loans, student loans, credit-card minimum payments, and other recurring debts recognized by the lender.