The maximum debt-to-income (DTI) ratio for a conventional loan typically depends on the lender and the specific loan program. However, conventional loans typically have a maximum DTI ratio of around 43% to 50%. This means that your total monthly debt payments (including the mortgage payment) should not exceed 43% to 50% of your gross monthly income. Note that lenders may have different criteria and may be willing to make exceptions based on other factors such as credit score and financial reserves.