In field 44: Ratio is where you record the ratio of total monthly debt payments to gross monthly income. Follow these steps:

1. Add fields 15 + 16 + 17+ 18 + 20 + 40 = Debts
2. Add fields 31 + 38 = Income
3. Divide Debt by Income = Debt-to-Income Ratio
4. Round to the nearest two digits.

Use this calculator to perform any calculation(s). Learn more about this topic in the Debt-to-Income Ratio lesson. Refer to the VA Lender's Handbook for more details regarding Debt-to-Income Ratio.