calculate_debt_to_income

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Calculation, not advice. Verify with a professional before acting. Calculate your debt-to-income ratio and check qualification for conventional, FHA, VA, and USDA mortgage programs. Accepts existing debts and an optional proposed new debt or home price. Returns current DTI, front-end and back-end ratios with proposed housing, maximum affordable home price, and what-if scenarios showing the resulting DTI and which programs would then qualify if a given debt were paid off, plus income-increase and home-price-reduction variants. Includes the 10-month rule (Fannie Mae) for debts near payoff. qualification.<program>.qualification_status is a tri-state verdict ('qualifies' | 'underwriting_dependent' | 'ineligible'): 'underwriting_dependent' means the manual-underwriting baseline is exceeded but further underwriting may still approve it, an automated-underwriting system for conventional and FHA, either automated or manual underwriting for USDA, or a supervisory underwriter's written justification under 38 CFR 36.4340(c)(2) for VA (never an automated decision), so qualification.<program>.qualifies=false does NOT by itself mean the borrower is blocked. Read qualification_status, not the bare qualifies boolean, for the real answer; qualification.<program>.note explains the specific underwriting or hard-cap context, naming which mechanism applies. VA's back-end overage alone never returns 'ineligible' either (38 CFR 36.4340(c)(2)/(c)(3) both contemplate approval above 41%), and conventional is now the only program that ever returns 'ineligible', since FHA, VA and USDA are each disclosure-only above their baselines.