What are FHA debt-to-income limits?

FHA generally allows a housing ratio up to about 31% and total debt up to 43%, but its automated underwriting routinely approves total DTI to 50% or higher when you have strong compensating factors like reserves or good credit.

That flexibility is a big reason FHA helps buyers who are tight on ratios. We'll run your file through FHA's automated system to see the maximum DTI you can use.

Related FHA Loans Questions