# What are the allowable debt to income ratios for an FHA loan?

The guidance in this FAQ is effective for case numbers assigned prior to September 14, 2015.

For manually underwritten mortgages where the Direct Endorsement (DE) underwriter must make the credit decision, the qualifying ratios are 31% and 43%. For those borrowers who qualify under FHA's Energy Efficient Homes (EEH) the '''stretch ratios''' are increased to 33% and 45%.

Handbook 4155.1: 4.F.2.a-c


Handbook 4155.1: 4.F.2.a-c



All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.