Does FHA count car loans?
Yes — the monthly payment counts toward DTI. Loans with 10 or fewer payments remaining can sometimes be excluded.
Plain-English explanation
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.
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.