What is the maximum DTI for an FHA loan?
FHA does not have one simple DTI number that applies to every file. Some automated approvals may allow a back-end DTI in the mid-50% range, while other files are declined at a lower ratio. Manual underwriting is stricter. The answer depends on credit, reserves, income stability, the size of the new payment and the lender's rules.
What this actually means.
DTI compares required monthly debts with gross monthly income. The housing ratio uses the new housing payment; the total ratio includes housing plus other required monthly debts. Automated underwriting reviews the whole file rather than applying one guaranteed maximum. Manual underwriting uses stricter limits. The real answer comes from a complete review, not a single percentage.
What this looks like on a real file.
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.