What is the highest percentage debt to income that FHA will allow?

What is the typical range? I've heard 38-50 %, but some say they have seen higher. If so how can I get it higher.

4 Answers

  • Anonymous
    1 decade ago
    Favorite Answer

    depends on your reserves, and credit score.

    most go to 50%....some can go higher if you have a lot of reserves

  • 1 decade ago

    you are correct 38% housing and 50% TOTAL DEBT the 50 can increase to 51 or 52 but not much higher and the 38 can go to 40 but same need special approval to continue with loan oncethese rules are broken

  • Anonymous
    1 decade ago

    Numbers vary depending upon who you ask...

    FHA limit is typically 29% for your PITI (principle, interest, taxes, and insurance). That is your total mortgage payment. Your total debt ratio is limited to 41% for mortgage, auto loans, and revolving credit balances (balances you carry on a credit card and don't pay off each month).



  • Anonymous
    1 decade ago


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