Hoosier Homes allows a maximum DTI of up to 50% when the Automated Underwriting System (AUS) approves the file — credit, income, and first-mortgage findings still have to clear.
Debt-to-income compares your total monthly debt payments to gross monthly income. For Hoosier Homes, the program ceiling is maximum DTI up to 50% with Automated Underwriting System (AUS) approval.
“Up to 50%” is a ceiling, not a promise. AUS may approve a lower ratio based on credit layers, reserves, or loan type. Lender overlays on FHA, VA, USDA, or HFA conventional can also sit below 50%.
Ryan and Steve run AUS early with realistic PITI so you know whether Hoosier Homes DTI works before you write an offer.
Small payment changes can decide whether 50% is reachable.
Principal, interest, taxes, insurance, and any mortgage insurance or guarantee fee on the first mortgage all count toward DTI.
Auto loans, student loans, credit cards, personal loans, and other recurring obligations inflate the ratio until paid down or excluded under guideline rules.
Stable W-2, overtime, bonus, commission, and self-employed income must be documented the way AUS and underwriting expect — undocumented income does not help DTI.
No monthly payment is required on the assistance layer during the forgiveness period, so the second loan itself does not add a payment line to DTI.
| Requirement | Guideline |
|---|---|
| Maximum DTI | Up to 50% with AUS approval |
| Credit score | 620 minimum for all borrowers |
| Income limits | County limits (may waive in Targeted Areas) |
| First-time buyer | Not required |
Related Hoosier Homes eligibility guides and program overviews.
620 minimum for all borrowers on the file.
County limits vs. Targeted Area waivers.
Repeat buyers are eligible — FTHB not required.
When first-time buyers must complete a course.
How 4% / 5% affects cash to close.
Full eligibility, counties, and cash rules.
Compare Hoosier Homes with other DPA.
Ryan & Steve will calculate housing payment and debts, then confirm whether AUS supports up to 50% on your file.
Program guidelines, income limits, and Targeted Area maps change. This page is educational — final eligibility is confirmed when your file is underwritten against current Hoosier Homes rules. This website is not directly affiliated with or endorsed by any government agency.