Debt-to-Income Worksheet
Estimate your housing ratio and total debt ratio before you apply.
About this worksheet
A five-step estimator for the ratio that most often decides how much home a Utah buyer can finance. Step through documented qualifying income, the full proposed housing payment including taxes, insurance, mortgage insurance, and HOA, other monthly obligations a lender counts, the two resulting ratios, and what the result suggests you do next.
Who it's for
- Utah buyers estimating how much they can finance
- Buyers deciding which debt to pay down first
- Self-employed and variable-income borrowers
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Frequently asked questions
Frequently Asked Questions
Related resources
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Guides, calculators, and resource centers that pair with this worksheet.
- Consumer GuideThe Utah Credit Improvement Consumer Guide
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- Consumer GuideThe Utah First-Time Homebuyer Consumer Guide
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- Consumer GuideThe Utah FHA Loan Consumer Guide
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- Consumer GuideThe Utah VA Loan Consumer Guide
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- Consumer GuideUtah Closing Cost Guide
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- Consumer GuideThe Utah Divorce & Mortgage Consumer Guide
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- Consumer GuideThe Utah Self-Employed Borrower Consumer Guide
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- Consumer GuideThe Utah Down Payment Assistance Consumer Guide
Grants, forgivable loans, and buyer eligibility across Utah
Ready to talk through your numbers?
Bring your finished worksheet to a no-pressure consultation with Tres Miller (NMLS #217768). We'll pressure-test the numbers, walk through Utah program options, and outline realistic next steps.
Educational only. This worksheet does not constitute legal, tax, or financial advice. Programs, guidelines, and limits change frequently — verify current terms with a licensed Utah mortgage professional. Mortgage services provided by Tres Miller, NMLS #217768.
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