My loan officer just mentioned debt-to-income limits, so can you explain how calculating debt to income ratio differs when applying for an FHA loan versus a conventional loan today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My loan officer just mentioned debt-to-income limits, so can you explain how calculating debt to income ratio differs when applying for an FHA loan versus a conventional loan today?
3 real searches · 1 real-search pass
2026 FHA loan debt to income ratio HUD handbook 4000.1 TOTAL scorecard manual underwriting ratios 31 43 2026Google ↗
OBSERVED
2026 Fannie Mae debt-to-income ratio maximum 45 50 Desktop Underwriter selling guide monthly debt obligationsGoogle ↗
OBSERVED
Freddie Mac debt-to-income ratio mortgage qualifying 2026 maximum 45 50 guideGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
2026 FHA loan debt to income ratio HUD handbook 4000.1 TOTAL scorecard manual underwriting ratios 31 43 2026 Google ↗
2026 Fannie Mae debt-to-income ratio maximum 45 50 Desktop Underwriter selling guide monthly debt obligations Google ↗
Freddie Mac debt-to-income ratio mortgage qualifying 2026 maximum 45 50 guide Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- FHA TOTAL | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- FHA Single Family Housing Policy Handbook · hud.gov
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Housing Handbooks | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA loan debt to income ratio HUD handbook 4000.1 TOTAL scorecard manual underwriting ratios 31 43 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
2026 Fannie Mae debt-to-income ratio maximum 45 50 Desktop Underwriter selling guide monthly debt obligations OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac debt-to-income ratio mortgage qualifying 2026 maximum 45 50 guide OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |