Does FHA count car loans?
Yes — the monthly payment counts toward DTI. Loans with 10 or fewer payments remaining can sometimes be excluded.
What this actually means.
A high car payment is one of the most common reasons buyers fall just short of FHA DTI. Paying down or paying off can be the right move before closing — talk to your lender first because cash position matters too.
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.
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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.