Selling Guide

Published October 06, 2021

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What is the maximum DTI ratio allowed?

Maximum DTI Ratios

For manually underwritten loans, Fannie Mae’s maximum total debt-to-income (DTI) ratio is 36% of the borrower’s stable monthly income. The maximum can be exceeded up to 45% if the borrower meets the credit score and reserve requirements reflected in the Eligibility Matrix

For loan casefiles underwritten through DU, the maximum allowable DTI ratio is 50%. If the DTI on a loan casefile exceeds 50%, the loan casefile will receive an ineligible recommendation.

See B3-1-01, Comprehensive Risk Assessment for information about the DTI.
 

Exceptions to the Maximum DTI Ratio

Fannie Mae makes exceptions to the maximum allowable DTI ratios for particular mortgage transactions, including:

For additional information, see B3-6-02, Debt-to-Income Ratios.

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