Enter a file and press Calculate. The qualifying income, front- and back-end DTI, and the verdict against your guideline appear here.
What this is. A completeness-and-arithmetic tool: it computes qualifying income by documented method and the two DTI ratios against the guideline you set, and tells you within, over, or needs review. It is not a credit decision and does not underwrite — the lender decides. Nothing you enter is uploaded or stored; the calculation runs in your browser.