FHA DTI Calculator
Calculate your debt-to-income ratio and see if you qualify under FHA manual underwriting guidelines with compensating factors.
Principal, Interest, Taxes, Insurance, and HOA
Car payments, credit cards, student loans, etc.
Liquid assets after down payment and closing costs
✓ 6.3 months of reserves (qualifies as compensating factor)At least 3 months of mortgage payments in verified liquid assets
Bank accounts, investments, retirement funds (with penalty consideration)
Documented income increase of at least $100/month or 5%
Must be documented with pay stubs and/or tax returns from past 12 months
Sufficient money remaining after all obligations
Calculated based on family size and geographic region
New payment ≤ $100 or 5% higher than current
Compare proposed PITIA to current rent or mortgage payment
2+ years continuous employment in same field
Stable or increasing income with documented employment verification
No factors selected - standard DTI limits apply (31%/43%)
Your DTI Tier: No Compensating Factors
LTV Requirement
Credit 620: Up to 96.5% LTV
(3.5% minimum down payment)
You May Qualify!
Based on FHA manual underwriting guidelines
Understanding FHA Manual Underwriting DTI Limits
When the Automated Underwriting System (AUS) returns a "Refer" status, your loan file goes to a human underwriter for manual review. This isn't a denial—it's an opportunity for someone to look at the nuances of your financial situation.
Why Manual Underwriting Happens
- Thin credit file: Limited or no traditional credit history
- High DTI ratios: Debt exceeds standard automated limits
- Recent credit events: Bankruptcy, foreclosure, or short sale
- Non-traditional credit: No FICO score available
The Trade-Off
Manual underwriting requires more documentation. You'll need to provide additional pay stubs, bank statements, and letters of explanation. However, this extra effort can pay off if you have compensating factors that a computer wouldn't consider.
Need Help Understanding Your Options?
Our loan officers specialize in FHA manual underwriting and can help you navigate the process.