Mortgage Planning
Debt Payments and Mortgage DTI Impact
See how monthly debts already claim part of your income, how that affects DTI and stress outcomes, and how to compare two debt levels safely with simple examples.
Published: January 1, 2026 · Updated: January 1, 2026 · By FinToolSuite Editorial
Open the stress tester
Add your monthly debts, run a scenario, and compare a higher-debt case.
Disclaimer
- Educational only. Examples are illustrative. No guarantees.
Why debts matter
Debts are monthly claims on income. Higher debts raise DTI, which can lower the recommended safe loan and widen stress tails.
Example comparisons
Low debt: $200/month debts. DTI mid stays lower, safe loan may be higher.
Higher debt: $600/month debts. DTI mid and tail rise; safe loan can drop.
How to compare
Keep income and housing costs the same. Change only debts between two scenarios, rerun, and compare outputs.
FAQs
Should I round debts?
Conservative rounding (slightly up) can keep scenarios cautious.
Do I remove debts if they end soon?
You can test a future scenario with debts gone, but label it clearly.
Where is privacy info?
See Privacy Policy.
Model your debts
Open the mortgage affordability stress tester, enter your debts, and compare a higher-debt scenario to see sensitivity.