---
title: "What is the maximum DTI allowed?"
description: "Answer to: What is the maximum DTI allowed?"
url: https://homes-support.padzilly.com/en/articles/85-what-is-the-maximum-dti-allowed
collection: "Home buying Tips"
updated: 2026-02-13
language: en
alternates: [es]
---

# What is the maximum DTI allowed?

Answer to: What is the maximum DTI allowed?

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.