Does FHA count alimony?
Yes. Alimony paid hits DTI; alimony received can count as income with proper documentation and continuance.
What this actually means.
Many lenders prefer to subtract paid alimony from gross income rather than add it as a monthly debt — it has the same DTI effect and sometimes calculates more favorably.
Where this can move.
Income type and history, recurring debts shown on the credit report, automated vs manual underwriting, compensating factors, and lender overlays can change the answer.
Ask the question. Get the straight answer.
Send the scenario and I'll tell you what I'm seeing. No application fee. No long form just to get a basic answer.
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.