Monthly Debt Payments Housing debt? $ Consumer debt? $ Monthly Income Income? $ Printer-friendly version Debt-to-Income Ratio Summary Housing Consumer Total Chart Table Total Cost of Loan Ratio Percentage Housing Debt-to-Income Consumer Debt-to-Income Total Debt-to-Income Submit Your Debt-to-Income ratio (DTI) compares total debt payments to monthly income. This ratio is a factor lenders consider when determining creditworthiness and ability to repay a loan. Generally, a lower DTI indicates a more favorable financial position and may result in better loan terms and interest rates. Your total Debt-to-Income ratio is determined by combining your Housing and Consumer ratios. Your Housing ratio compares your monthly mortgage payments and property taxes to your monthly income, while your Consumer ratio compares your monthly debt payments to your monthly income.