Which of the following is typically included in monthly debt obligations for DTI calculations?

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DTI measures how much of your gross monthly income goes toward recurring debt payments. For the back-end DTI, lenders add up all ongoing monthly debt obligations and divide by gross monthly income. Mortgage payments are included because they are a regular housing-related debt. Credit card payments are included too, since lenders look at the minimum monthly payments you’re obligated to make. Auto loans contribute a regular monthly installment as well, which is counted in the total debt. Because each of these ongoing payments reduces the cash available to take on new debt, they’re all typically included in the DTI calculation. So, all of these types of payments are counted in the monthly debt obligations.