A diminished DTI may be considered you for lots more positive financing words FHA obligations-to-money ratio standards The debt-to-money (DTI) ratio is a vital grounds no matter what kind of financing you’re getting, it must be in the otherwise less than 43% usually to qualify for an enthusiastic FHA mortgage (50% limits is recognized in certain situations according to your own bank.) DTI is a standard technique for comparing your earnings to your expense, and will getting determined of the splitting your monthly obligations money by the terrible month-to-month income.