Debt Ratio
Does FHA count alimony?
Short answer
Yes. Alimony paid hits DTI; alimony received can count as income with proper documentation and continuance.
Plain-English explanation
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.
What can change the answer?
Income type and history, recurring debts shown on the credit report, automated vs manual underwriting, compensating factors, and lender overlays can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Debt Ratio
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.