What's the real deal with conventional and fha dti???

[Anonymous]

Is it 45% dti allowed or 50%? I have seen news articles about how the 50% is allowed but whenever I am on a mortgage forum or calculator they only acknowledge 43 or 45%. Does fha really allow 57% dti? Also is front end with either of these loans really only 28%? I live in an area where taxes are high so my dti is not on the low side with my debt included. My mom and I plan on going in together on the loan. My spouse makes 60k a year but will not be on the loan.

[VALoanMaster]

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@Anonymous wrote:
Is it 45% dti allowed or 50%? I have seen news articles about how the 50% is allowed but whenever I am on a mortgage forum or calculator they only acknowledge 43 or 45%. Does fha really allow 57% dti? Also is front end with either of these loans really only 28%? I live in an area where taxes are high so my dti is not on the low side with my debt included. My mom and I plan on going in together on the loan. My spouse makes 60k a year but will not be on the loan.

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Hi Belief2017,

Conventional can go as high as 50% back end & FHA can go as high as 56.99%.

The front end ration can go over 28%. How far over is going to be dependent on what an AUS (automated underwriting system) will approve.

[Anonymous]

Thank you so much for a solid straight forward answer Valoanmaster.

[VALoanMaster]

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@Anonymous wrote:
Thank you so much for a solid straight forward answer Valoanmaster.

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You're welcome.