Instance, for folks who be eligible for a good Virtual assistant mortgage, Company off Veteran Issues direction recommend a maximum 41% debt-to-income ratio Month-to-month tools, also scrap, strength, fuel and you will liquid attributes Reduced television (cord, satellite, streaming) and you may internet services Auto insurance Health and almost every other scientific costs Cell phone attributes Groceries/food otherwise enjoyment will set you back Childcare can cost you Front end and you can Back end Rates Lenders usually separate all the info one to constitutes a debt-to-money ratio to your separate groups called front-prevent proportion and you may back-avoid proportion, prior to a final choice on whether to extend a home loan mortgage.