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HOA-Impact DTI Calculator

Enter housing costs, HOA dues, any pending special assessment, and other debts. Shows front-end DTI with and without HOA, plus back-end DTI including everything.

Gross monthly income ($)

Mortgage P&I ($)

Taxes + insurance ($)

HOA monthly dues ($)

Special assessment total ($)

Assessment payoff months

Other monthly debts ($)

Assessment monthly

Housing total (with HOA)

$3450

Front-end DTI (no HOA)

33.3%

Front-end DTI (with HOA)

38.3%

Back-end DTI (all debts)

45.6%