what s the maximum piti 
the front end ratio compares piti to gross monthly income most lenders prefer a front end ratio of 31 or less though a few will allow a ratio as high as 40 7 for example the front end ratio of a piti totaling 1 500 to a gross monthly income of 6 000 is 25 the bottom linepiti or principal interest taxes and insurance refers to all of the standard components of a mortgage payment because piti contains everything that homeowners will typically have to pay toward their mortgage every month it is a useful way of working out whether a person can afford a mortgage to make that calculation a borrower s piti is compared to their monthly gross income generally mortgage lenders prefer a piti of 31 or less of a borrower s gross monthly income since it indicates they are more likely to be able to afford the mortgage loan 