05/04/2026
WHAT IS DTI?
Your credit score matters, but it’s not the only number lenders look at.
DTI stands for Debt-to-Income Ratio — and it shows lenders how much of your monthly income is already going toward debt payments.
For example:
Monthly income: $6,000
Monthly debts: $2,000
DTI: 33%
Why does this matter?
Because a high DTI can make lenders question whether you have enough room for another payment — even if your credit score looks good.
Before you apply for a car, home, personal loan, or funding, it helps to know your numbers first.
This week, we’re breaking down DTI, front-end ratio, back-end ratio, and how these numbers affect approvals.
The best ability is Fundability.
Follow along this week as we break down the numbers lenders care about.
