How does a lender calculate my debt to income ratio if I take a lump sum withdrawal from my IRA to pay off some bills?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does a lender calculate my debt to income ratio if I take a lump sum withdrawal from my IRA to pay off some bills?
2 real searches · 1 real-search pass
Fannie Mae selling guide retirement account withdrawal income debt-to-income ratio payoff debt assets documentation IRA distribution mortgage underwritingGoogle ↗
OBSERVED
Freddie Mac guide debt paid off at or prior to closing DTI retirement account withdrawals income mortgage underwritingGoogle ↗
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 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae selling guide retirement account withdrawal income debt-to-income ratio payoff debt assets documentation IRA distribution mortgage underwriting Google ↗
Freddie Mac guide debt paid off at or prior to closing DTI retirement account withdrawals income mortgage underwriting Google ↗
- Annuity, Pension, or Retirement Income · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Debts Paid Off At or Prior to Closing · guide-selling.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide retirement account withdrawal income debt-to-income ratio payoff debt assets documentation IRA distribution mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac guide debt paid off at or prior to closing DTI retirement account withdrawals income mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |