Thefront$-$end $,$ or maximum allowable housing expense ratio, which maintains that the applicant$$s total$$expenditures for housing $($as measured by a year$$s worth of PITI payments$),$ cannot exceed $25\%29\%$ of the borrower$$s annual gross, or$$income$.$Theback$-$end $,$ or maximum allowable monthly housing expense and long$-$term debt ratio, which maintains that the total of all$$debt payments$$including the PITI mortgage payments, auto loans, and all other debt payments$$cannot exceed $3341\%$ of applicant$$s monthly gross income.