Typical limits
| Loan type | Back-end DTI |
|---|---|
| Conventional (Fannie/Freddie) | up to 45β50% with strong files |
| FHA | often up to 50% |
| VA | 41% guideline (residual income matters) |
| Qualified mortgage general rule | price-based, DTI not capped |
FAQ
What is a good DTI?
Under 36% is considered good; 43% is a common maximum.
Sources (checked Nov 6, 2026): Fannie Mae Selling Guide B3-6-02; HUD 4000.1; VA Pamphlet 26-7.