Free calculator
VA DTI Calculator
Estimate housing and total debt-to-income ratios for VA loan planning.
Estimated results
- Housing ratio
- 27.50%
- Total DTI
- 35.63%
- Monthly recurring debt
- $2,850.00
- VA 41% review point
- At or below
Methodology
- Add the proposed housing payment and recurring monthly debts.
- Divide by gross monthly income. VA identifies 41% as a review point, not an automatic approval cutoff.
Independent educational estimate. This tool does not determine VA eligibility, make a credit decision, or provide a lender quote.
Authoritative sources
Rules and guidance last verified August 24, 2026.
- VA Lenders Handbook M26-7, Chapter 4 — Credit Underwriting
Official residual-income tables and debt-to-income underwriting guidance.
Frequently asked questions
Is the VA DTI Calculator an approval decision?
No. It is an independent educational estimate, not a VA eligibility decision, underwriting approval, or lender quote.
Where do the rules come from?
The methodology is based on the official VA sources linked below and was last verified August 24, 2026.
Should I verify the result?
Yes. Confirm costs, eligibility, rates, and underwriting treatment with VA and your lender.