Different loan programs have varying rules for how they count student debt.
Maximum DTI limits usually cap at depending on the loan type. student loans and buying a house
: Some buyers prefer to eliminate student debt entirely first to "unshackle" their monthly cash flow. Different loan programs have varying rules for how
Lenders focus on how your debt impacts your ability to manage a mortgage. student loans and buying a house
💡 : Ask your lender about mortgage credit certificates or local down payment assistance programs specifically for graduates in certain fields.
: If you are on an income-driven repayment (IDR) plan, some lenders may use your actual monthly payment for DTI calculations.