What are the current FHA loan credit score requirements for borrowers in California with a debt to income ratio above forty five percent
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the current FHA loan credit score requirements for borrowers in California with a debt to income ratio above forty five percent
2 real searches · 1 real-search pass
2026 FHA loan minimum credit score requirements 580 500 579 HUD handbook 4000.1 debt to income manual underwriting 40 50Google ↗
OBSERVEDReason
HUD FHA Single Family Housing Policy Handbook 4000.1 minimum decision credit score debt-to-income ratios TOTAL scorecard manual underwriting 2026Google ↗
OBSERVEDInstruction
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA loan minimum credit score requirements 580 500 579 HUD handbook 4000.1 debt to income manual underwriting 40 50 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
HUD FHA Single Family Housing Policy Handbook 4000.1 minimum decision credit score debt-to-income ratios TOTAL scorecard manual underwriting 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 |