DTI stands for debt-to-income ratio, also referred to as back-end ratio.  It shows how much of your gross monthly income is needed to cover all your debt obligations.  Follow these steps to determine your approximate DTI:
<ul>
 	<li>Add up all of your monthly debt payments (including your mortgage, car loans, child support and alimony, credit cards, student loans, etc.)</li>
 	<li>Divide this amount by your gross monthly income.</li>
 	<li>Then multiply this amount by 100. This percentage is your DTI.</li>
</ul>
Please keep in mind that you must meet specific underwriting standards.  The participating mortgage lender can help you better understand FICO credit score and maximum back-end ratio requirements, as well as any other standards that may apply.