OpenChainGraph Suite · ART-335 · US Mortgage Compliance

DTI Ratio Calculator

Front-end (housing) and back-end (total) debt-to-income ratios per Fannie Mae Selling Guide B3-6-02 and Freddie Mac Single-Family Seller/Servicer Guide 5401.2. Classifies the back-end ratio into a standard / extended-compensating-factors / AUS-only / exceeds-max tier and checks it against the max DTI for the selected underwriting type. Feeds ART-222 Agency Eligibility Matrix.

Fannie Mae B3-6-02 Freddie Mac 5401.2 Front-End / Back-End DU · LPA · Manual

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Income & Payments

Gross monthly income ($)

Housing payment / PITIA ($)

Principal, interest, taxes, insurance, and association dues.

Other monthly debts ($)

Qualifying installment/revolving debt, alimony, child support.

Underwriting

Underwriting type

Ratio Detail

Execution Hash (SHA-256)