Fha Dti Requirements 2024. In order to prevent homebuyers from getting into a home they cannot afford, fha requirements and guidelines have been set in place requiring borrowers and/or their spouse to qualify according to set debt to income ratios. Some lenders will cap dti at 45% up to a 680 credit score and may cap dti to 55% over 680 credit scores.

May be easier to qualify for: You need a minimum down payment of 3.5%, which would total.