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DTI FHA. Increase your mortgage borrowing power!
Significantly increase your buying power!

DTI FHA | Consultation
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Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

Worksheet Summary | Highlights

Down payment.
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Closing costs.
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DTI FHA | Highlights

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Free DTI FHA Analysis
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DTI FHA Advantages
Learn about the DTI FHA benefits.

Additionally, check out our DTI example. 

DTI FHA – Advantages

DTI Analysis. Find out how much money you can borrow for your new mortgage.The DTI FHA is far and away one of the biggest advantages of FHA loans.  All mortgage programs uniquely calculate the debt to income (DTI).  In most cases, the max DTI is 45%.  In other words, 45% of your gross monthly income must include all expenses.  To put it another way, your total housing payment in addition to the debt on your credit report, cannot exceed 45% of your gross monthly income. 

DTI FHA – 55%

The maximum DTI FHA is 55% of your gross monthly income.  This significantly increases how much you can borrow.  For example, we’ll assume the gross monthly income is $6,250.  And, the max DTI is 45%.  In this case, $2,812.50 the total allowable per month.  That is to say, the combined housing payment and credit report debt cannot exceed $2,812.50 per month.

How the DTI Increases Your Borrowing Power

The maximum DTI FHA in the above example is 55%.  Or, $3,437.50 for the gross monthly maximum.  In other words, the DTI FHA is allowing for an extra $625 per month.  To clarify, the borrower has an extra $625 dollars of cushion for the combined housing payment and credit report debt.  This added cushion significantly increases your borrowing power!    

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