Does FHA count taxes and insurance?
Yes — they are part of the total housing payment (PITI: Principal, Interest, Taxes, Insurance) and feed directly into DTI.
Plain-English explanation
In Florida, insurance premiums and millage rates vary materially by county and property. Quote real coverage early; an undervalued insurance estimate can blow up DTI when the actual binder comes in.
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.