What is the maximum allowable debt-to-income ratio for mortgage programs backed by the FHA versus conventional loans right now?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the maximum allowable debt-to-income ratio for mortgage programs backed by the FHA versus conventional loans right now?
2 real searches · 1 real-search pass
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 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
2026 FHA maximum debt-to-income ratio TOTAL Scorecard manual underwriting 31 43 HUD official Google ↗
2026 Fannie Mae maximum debt-to-income ratio 50% Desktop Underwriter official Freddie Mac 50% LPA DTI Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- FHA TOTAL | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- What is the maximum DTI on Fannie Mae DU, FHA, VA and non-QM programs? · zeitro.com
- Debt-to-Income Ratio for a Mortgage: Limits for 2026 · mymortgageinsider.com
- FHA Single Family Housing Policy Handbook · hud.gov
- Final Underwriting Decision, FHA Handbook 4000.1 II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower · claudeforcompliance.com
- Selling Guide · singlefamily.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA maximum debt-to-income ratio TOTAL Scorecard manual underwriting 31 43 HUD official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
2026 Fannie Mae maximum debt-to-income ratio 50% Desktop Underwriter official Freddie Mac 50% LPA DTI OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |