Maximum DTI varies by loan program. Many conventional and government-backed loans allow ratios in the 43%–50% range, depending on overall strength of the file. Stronger credit, solid reserves, and stable income can allow for higher flexibility. The key takeaway is this: approval isn’t determined by one single number. It’s a combination of factors. DTI is important — but it’s part of a bigger picture.
Please consult your Mortgage Advisor for guidance specific to your situation before making changes.