Debt-to-Income (DTI) Ratio Worksheet for Homebuyers: Excel DTI Calculator, Income & Debt Checklists + Printable Worksheet

Debt-to-income ratio is one of the first numbers a lender looks at, and most buyers have never calculated their own. This worksheet shows you how it works in plain English. List your income and monthly debts, enter an estimated house payment, and the Excel calculator shows your front-end and back-end DTI plus the housing payment that keeps you at your own comfort target. The printable pages explain what usually counts, what usually does not, and which questions to ask your loan officer.

What's inside:

- Plain-English DTI guide

- Income worksheet

- Monthly debts worksheet

- DTI calculation page

- Excel DTI calculator

Good to know:

- Educational only. Not a loan offer, rate quote or approval.

Aaron Clark, Licensed Mortgage Loan Officer, NMLS #1770738 · www.nmlsconsumeraccess.org · Equal Housing Opportunity

Educational only, not a loan offer or rate quote; example numbers are illustrations.