Traditionally, lenders' qualifying mortgage rules use a range of percentages to qualify for both the housing debt-to-income ratio and the total debt-to-income ratio. What are those ratio ranges? Unset starred question 25% to 28% for housing; 33% to 36% for total debt 25% to 28% for total debt; 33% to 36% for housing 25% to 33% for housing; 28% to 36% for total debt 25% to 33% for total debt; 28% to 36% for housing