Debt Ratio
Does FHA count credit cards?
Short answer
Yes. The minimum monthly payment on each open card with a balance counts toward DTI. Zero-balance cards do not.
Plain-English explanation
Paying down balances close to closing can lower DTI, but FHA pulls a recent credit report — what shows on the bureau is what counts. Plan a payoff with timing in mind.
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.