I need to adjust my home affordability budget this afternoon because my car insurance went up, so how do lenders calculate my debt-to-income ratio when I have lingering student loans?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need to adjust my home affordability budget this afternoon because my car insurance went up, so how do lenders calculate my debt-to-income ratio when I have lingering student loans?
3 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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae debt to income ratio student loans monthly payment deferred income driven repayment 2026 official Google ↗
Freddie Mac student loan debt monthly debt payment DTI 2026 official Google ↗
FHA student loan monthly payment DTI calculation official HUD handbook Google ↗
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Monthly Debt Obligations · guide-selling.fanniemae.com
- FHA Single Family Housing Policy Handbook · hud.gov
- Housing Handbooks | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- General Information on Liabilities · selling-guide.fanniemae.com
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae debt to income ratio student loans monthly payment deferred income driven repayment 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac student loan debt monthly debt payment DTI 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FHA student loan monthly payment DTI calculation official HUD handbook OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |