DTI guides

Two guides to the federal rules around debt-to-income. Sources close each guide.

What the ability-to-repay rule asks of a lender The factors in Regulation Z section 1026.43(c), how debt-to-income and residual income are defined there, and what the rule leaves to the lender. Read guide → Front-end, back-end and the old General QM limit The difference between front-end and back-end DTI, how the CFPB defines the ratio, and how the General QM rule changed the 43 percent limit. Read guide →