Debt-to-income ratio compares recurring monthly debt payments with gross monthly income and is used in many lending decisions.
Reviewed July 15, 2026 · 1 minute read
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Debt-to-income ratio compares recurring monthly debt payments with gross monthly income and is used in many lending decisions.
In the consumer mortgage industry, debt-to-income ratio (DTI) is the percentage of a consumer's monthly gross income that goes toward paying debts. There are two main kinds of DTI, as discussed below.
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