Debt-Division Impact Simulator
Enter who keeps which debts â shows monthly minimums and simple front/back DTI view to understand mortgage impact.
Model who carries which debts and instantly see the impact on monthly payments, Housing DTI, Total DTI, and take-home cash flow. Assign debts to Spouse A or B, test lump-sum paydowns, and add custom debts; then print or save a PDF for your records. Use this to compare settlement scenarios and align financing with a CDLPÂŽ.
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Debt-Division Impact Simulator
Assign debts to Party A or Party B and see instant changes to monthly payments, Housing DTI, and Total DTI. Model cards (min %) and installment loans (amortized), test paydown % per debt, and use quick flip shortcuts to try scenarios.
Summary
âTotal DTIâ = (housing + counted monthly debts) á income. Cards use a minimum %, loans use amortized payments (assumes payment recalculates after paydown).
Income & Housing
Debts & Assignments
Advanced: Add or Manage Debts
Next Step
This is an educational planning tool; figures are estimates and not a credit decision. Confirm final terms with your CDLPÂŽ, lender, and counsel.
Disclaimer: This tool provides educational estimates only and is not legal, tax, financial, investment, real-estate, or lending advice. It is not a loan application, approval, pre-approval, credit decision, or commitment to lend. Results are based on user inputs and simplified assumptions and may exclude or misstate items such as variable utilities, insurance changes, medical costs, taxes, fees, arrears, collection accounts, or other obligations. Actual budgets, eligibility for financing, and loan terms depend on comprehensive review (credit, income, assets, liabilities, property, occupancy, program and investor guidelines) that may change without notice. Child support/spousal support obligations and start/end dates are determined by statute, guidelines, and/or court order; this calculator does not determine or modify legal obligations or property rights. A CDLPÂŽ provides mortgage planning within the divorce process and does not provide legal or tax adviceâconsult a licensed attorney, tax professional, financial planner, real-estate professional, and a licensed mortgage lender to verify final figures and options. Use of this tool is at your own risk; no warranty is made or implied.
