Debt Ratio
Does FHA count HOA dues?
Short answer
Yes. HOA and condo association dues are part of the housing payment and count toward both housing and back-end DTI.
Plain-English explanation
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.
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.