DTI Worksheet
Income, liabilities and asset-based income in one pass
• Enter income and payments
Qualifying income $0
Housing (PITIA) $0
Total obligations $0
Front-end —
Back-end DTI —
Borrower & property
Monthly income $0
SourceMonthly amount
Assets as income $0
Freddie Mac Section 5307.1. Balances must be seasoned 12 months and available post-closing. Retirement funds must be documented as withdrawable; apply the 10% penalty where the borrower has not reached penalty-free age.
AccountBalance10% penalty
Gross balances$0
Less 10% early-withdrawal penalty$0
Net eligible assets$0
Division factor (months)
Asset-based monthly income $0
No asset accounts entered.
Proposed housing payment $0
Total PITIA $0
Monthly liabilities $0
DescriptionPaymentOmit
Total monthly debt $0
Enter income and payments •
Back-end DTI —
50% max
Wage & other income$0
Asset-based income$0
Total qualifying income$0
Housing payment (PITIA)$0
Other monthly debt$0
Total obligations$0
Front-end (housing) ratio—
Income needed at 50%—
Income cushion—
Assets required to close gap—