What is the maximum DTI for a conventional loan?
For a standard Fannie Mae purchase through DU, the maximum total DTI is 50%. Strong credit or extra savings do not raise that limit. Manual reviews, other programs and individual lenders can have different or lower limits.
What this actually means.
Fannie Mae’s standard manual limit is 36%, with up to 45% when its stated credit and reserve requirements are met. Certain transactions have additional restrictions or exceptions. Freddie Mac follows its own guide and automated findings; a Fannie Mae limit is not a universal rule for every conventional loan. Ask which program and review method apply.
A simple example
Illustration only. This is not an approval or a loan offer.
Where this can move.
Loan program, automated or manual review, qualifying income, counted debts, credit, reserves, lender rules and your household budget.
Check the sources
Sources checked . Program guidance and lender requirements can change.
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More conventional questions on DTI.
Educational only. Conventional loan guidelines, lender overlays, rates, fees, PMI, LLPAs, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with Fannie Mae, Freddie Mac, FHFA, or any government agency.