Does FHA count credit cards?
Yes. The minimum monthly payment on each open card with a balance counts toward DTI. Zero-balance cards do not.
What this actually means.
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.
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.