Does FHA count HOA dues?
Yes. HOA and condo association dues are part of the housing payment and count toward both housing and back-end DTI.
What this actually means.
Special assessments (one-time or ongoing) generally count too if they extend into the loan period. Always have the HOA documents reviewed before structuring an offer.
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.
Ask the question. Get the straight answer.
Send the scenario and I'll tell you what I'm seeing. No application fee. No long form just to get a basic answer.
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.