Physician DTI Calculator | MedPharmaConnect

Your Financial Snapshot

Monthly Income

Gross Monthly Income Before taxes. Use your expected attending salary if still in training.

Student Loans

Total Student Loan Balance

Student Loan Status

In Repayment Enter your actual monthly payment below Income-Driven Repayment (IDR) Many physician lenders use 0.5–1% of balance instead In Deferment / Forbearance Some physician lenders count $0 for this

Actual Monthly Student Loan Payment

Monthly Debt Payments

Estimated New Mortgage Payment Principal + interest + taxes + insurance (PITI)

Car Loan / Lease Payment

Credit Card Minimum Payments

Other Monthly Debt (personal loans, etc.)

Your DTI Estimate

Physician Loan DTI

—

Enter your numbers

Mortgage payment $—

Student loan counted $—

Car / other debts $—

Total monthly debts $—

Gross monthly income $—

Fill in your numbers on the left to see your estimated DTI and what it means for physician loan qualification.

Traditional vs. Physician Loan

Factor

Traditional Lender

Physician Lender

Student Loans

Full payment

0.5–1% of balance

Your Trad. DTI

—

Your Phys. DTI

—

PMI Required

Often yes

Contract Pre-Approval

Rarely

Yes

Disclaimer: This calculator is for educational purposes only and does not represent an actual loan qualification assessment. DTI thresholds, student loan treatment, and program eligibility vary by lender. Physician mortgage programs typically allow DTIs up to 43–50%. Consult a licensed mortgage professional for guidance specific to your situation. MedPharmaConnect is not a lender or mortgage broker.