Monthly income $6,500. Housing $1,800, auto $400, credit cards $200, student loan $300. Back-end DTI?

Correct answer: 41.5%

Back-end DTI = Total Monthly Debts ÷ Gross Monthly Income. Total debts = $1,800 (housing) + $400 (auto) + $200 (credit cards) + $150 (student loans) = $2,550. DTI = $2,550 ÷ $6,500 = 39.2%. Under the revised General QM rule, there is no hard DTI cap — qualification depends on the loan's APR relative to APOR. However, most conventional guidelines still use 45-50% as practical limits, and FHA guidelines cap at 43% (with exceptions for compensating factors).