See your front-end and back-end DTI ratios and how they compare to FHA guidelines — one of the biggest factors in qualifying.
Enter gross (pre-tax) monthly figures.
Estimates only. Uses 1.75% upfront MIP (financed), 0.55% annual MIP, ~1% property tax and ~0.6% insurance. Actual figures vary by lender, county, and your profile. Not a loan offer.
Your DTI ratio compares your monthly debt payments to your gross monthly income, and it's one of the biggest factors in FHA approval. Lenders look at two numbers: the front-end ratio (just your housing payment ÷ income) and the back-end ratio (all monthly debts including housing ÷ income).
As a general guideline, FHA looks for a front-end ratio around 31% and a back-end ratio around 43%. However, these aren't hard cutoffs — with strong compensating factors (good credit, cash reserves, stable employment) and an automated underwriting approval, back-end ratios of 50% or higher are sometimes possible.
Paying down credit cards and other monthly debts, avoiding new loans before applying, and increasing documented income all lower your DTI and strengthen your file. A local FHA specialist can review your numbers and tell you exactly where you stand.
FHA guidelines generally target about 31% front-end and 43% back-end, but higher ratios — sometimes 50%+ — can be approved with compensating factors such as strong credit, cash reserves, or a low loan-to-value, subject to automated underwriting.
Back-end DTI includes your future housing payment plus recurring monthly debts like car loans, credit card minimums, student loans, and personal loans. It generally does not include utilities, insurance, or groceries.
Not necessarily. A higher DTI may still be approved with compensating factors, or you can lower it by paying down debt or adding a co-borrower. Talk to a lender before assuming you don't qualify.
A Florida FHA specialist can review your full picture — including compensating factors — and tell you what you qualify for.
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