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Your debt-to-income ratios, which are your housing expense ratio and your total obligations ratio, are quite easy to figure out once you know the formulas.

The way the lender will calculate each of the ratios is as follow:

Housing Expense Ratio: (Monthly PITI payment / Monthly gross income = Housing expense ratio)
Total Obligations Ratio: (Monthly PITI payment + Other month obligations / Monthly gross income = Total obligations ratio)

*PITI is the principal payment, interest, taxes, and insurance of the property.

*Other monthly obligations would include recurring installment debts (i.e. auto payments), revolving debts (i.e. credit cards), and other debts (i.e. child support or alimony)