DTI question

[CS800]

What's taken into account when calculating DTI when applying for a mortgage?

- Gross income or Net Income?

- Utility bills (gas,electricity,car insurance)?

- Credit card bills

- Loans

- Others?

[Anonymous]

1) Gross income is used

2) Utility bills do not go into the DTI

3) Credit cards do

4) Loans will also

5) Also will be the PITI on the house payment.