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Calculators›DTI & LTV
LOAN MATH

DTI & LTV

Calculate housing expense, qualifying ratios, and leverage across first liens, subordinate liens, and HELOCs.

Other Qualifying Income Rental Income
Fannie MaeLast agency guidance update: Not yet verifiedLast verified: Nov 9, 2026Effective date: Not yet verified
Freddie MacLast agency guidance update: Not yet verifiedLast verified: Nov 9, 2026Effective date: Not yet verified
Agency guidanceSee verification scopeView guideline history
Source publication
Jun 1, 2022
Last verified
Nov 9, 2026
Effective date
Not yet verified

The standard purchase value basis is the lower of purchase price and appraisal. Specialized valuations and product limits are outside this review.

Source publication
Apr 2, 2025
Last verified
Nov 9, 2026
Effective date
Not yet verified

Verified the DTI numerator and denominator for the worksheet. The section date does not imply that worksheet math changed.

Source publication
Not yet verified
Last verified
Nov 9, 2026
Effective date
Aug 3, 2026

Verified ratio terminology in the published section effective August 3, 2026. Product and underwriting limits are outside this check.

01 / SCENARIO

Inputs

Start with the example or enter your own figures. You can type dollar amounts above the slider ranges.

Check any that apply

Start with the standard inputs. Select an option to see the extra fields.

$0$10,000,000
$0$10,000,000
$0$10,000,000
$0$50,000
$0$10,000
$0$50,000
$0$20,000
$0$2,500
$0$2,000
Updates as you edit.
02 / WORKSHEET

Results

mortgagerisk.link

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MortgageRisk is independent of the agencies cited. Results are for professional review and do not constitute an underwriting decision or loan approval.