Debt to income ratio question

[NC84]

I was wondering if debt to income denials are from actual debt or credit? So if i have 24k in CC but only $500 balance on all of it is the 24k still concered debt? 

[StartingOver10]

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@NC84 wrote:

I was wondering if debt to income denials are from actual debt or credit? So if i have 24k in CC but only $500 balance on all of it is the 24k still concered debt? 

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No, DTI is only debt, not available credit. In calculations for your DTI ratios for a mortgage the lender will only use the minimum payment due for the debt you owe

[Anonymous]

Correct. You might think of DTI more like PTI, Payments to Income rather than Debt to Income.