---
title: The flyer mentions eligibility requirements for Debt-to-Income and Housing Expense ratios. What are these and how do I calculate them?
description: "These ratios help make sure your monthly payments will be affordable.\nDebt-to-Income Ratio: This combines your future monthly house payment plus all of your other monthly debts (for example, minimum credit card payments, student loans, etc.), and compares it to your monthly pre-tax income. This should be 43% or less, though exceptions may apply with other factors.\nHousing Expense Ratio: This compares your future monthly housing costs (mortgage payment, interest, taxes, and insurance), to your monthly pre-tax income. Your total housing costs should not be more than 38% of your monthly income.\n\nCEDP will work with you to calculate these ratios when applying."
---

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# The flyer mentions eligibility requirements for Debt-to-Income and Housing Expense ratios. What are these and how do I calculate them?

These ratios help make sure your monthly payments will be affordable.

- Debt-to-Income Ratio: This combines your future monthly house payment plus all of your other monthly debts (for example, minimum credit card payments, student loans, etc.), and compares it to your monthly pre-tax income. This should be 43% or less, though exceptions may apply with other factors.
- Housing Expense Ratio: This compares your future monthly housing costs (mortgage payment, interest, taxes, and insurance), to your monthly pre-tax income. Your total housing costs should not be more than 38% of your monthly income.

CEDP will work with you to calculate these ratios when applying.

- [Rental Assistance FAQ](https://kb.cedproject.org/en/knowledge/rental-assistance-faq?hsLang=en#main-content)

    - [Colorado Emergency Rental Assistance (CERA) - Statewide](https://kb.cedproject.org/en/knowledge/rental-assistance-faq?hsLang=en#colorado-emergency-rental-assistance-cera-statewide)
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    - [Eligibility](https://kb.cedproject.org/en/knowledge/homeowner-assistance-faq?hsLang=en#eligibility)
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    - [Community-First Mortgage Assistance Program](https://kb.cedproject.org/en/knowledge/resources?hsLang=en#community-first-mortgage-assistance-program)
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    - [Supportive Housing Program](https://kb.cedproject.org/en/knowledge/supportive-housing-and-stability-services-faq?hsLang=en#supportive-housing-program)
- [Community-First Mortgage Assistance Program](https://kb.cedproject.org/en/knowledge/community-first-mortgage-assistance-program?hsLang=en#main-content)

    - [General](https://kb.cedproject.org/en/knowledge/community-first-mortgage-assistance-program?hsLang=en#general)
    - [Eligibility](https://kb.cedproject.org/en/knowledge/community-first-mortgage-assistance-program?hsLang=en#eligibility)
    - [Loan Structure](https://kb.cedproject.org/en/knowledge/community-first-mortgage-assistance-program?hsLang=en#loan-structure)

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