These calculators are for simulation purposes only and do not guarantee results. Contact a Certified Divorce Lending Professional (CDLP®) to understand how these numbers may apply to your divorce mortgage planning strategy. Calculators are also available when you log in at www.DivorceLendingAssociation.com. Please note: the print feature may not work on mobile devices.
Debt & Income Impact Simulator
Settlement modeling for Spouse A & B
Model how **debt division** and **support** affect each spouse’s estimated DTI and net cash flow under a proposed housing payment.
Support Linking
If checked, the amount one spouse pays auto-fills as the other spouse’s received income.
DTI Thresholds (Guidance Only)
Spouse A — Income & Housing
Spouse B — Income & Housing
Debt List & Allocation
Assign each monthly payment to Spouse A or Spouse B
| Name | Type | Monthly Payment ($) | Assigned To | Include |
|---|
Spouse A — Summary
Includes Net and DTI inside the same box for clarity.
Gross Monthly Income$0
Debts (incl. Support Paid)$0
Proposed Housing (PITI)$0
Back-End DTI—
A: Net (Income − Housing − Debts)$0
Status
Spouse B — Summary
Includes Net and DTI inside the same box for clarity.
Gross Monthly Income$0
Debts (incl. Support Paid)$0
Proposed Housing (PITI)$0
Back-End DTI—
B: Net (Income − Housing − Debts)$0
Status
Informational only. Not legal, tax, or financial advice. Not a commitment to lend. Product/investor rules vary and change. Coordinate with a local CDLP®. DTI guidance bands are conceptual; actual underwriting varies by agency/investor and file specifics.
