Housing Ratio: Up To 30% Total DTI: Up To 41% Front-end ratio is 30% (total housing payment plus homeowner’s association fees, if any, divided by gross monthly income). Back-end ratio is 41% (total housing payment, plus homeowner’s association fees, if any, AND other recurring debts such as credit card payments, car payments, student loans, etc. divided by gross monthly income). Exceptions may be granted on a case by case basis, using compensating factors. We use the income of all occupying household members to calculate the debt-to-income ratio.