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Updated over 5 years ago on . Most recent reply

Lucas Hammer's profile image
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Lucas Hammer
  • from Chicago, Illinois
  • Member since Jan 17, 2016

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Lucas Hammer's profile image
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Lucas Hammer
  • from Chicago, Illinois
  • Member since Jan 17, 2016
Lucas Hammer
  • Chicago, IL
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Private Lending & Conventional Mortgage Advice

If I'm selling my primary residence, how does DTI work?

Lucas Hammer
  • Chicago, IL
Posted

So my DTI is approaching 50%. If I decide to buy another house while selling mine, will I have to close on my sale before buying for it to not count towards my DTI?

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Chris Mason
Chris Mason
  • Lender
  • California
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Chris Mason
  • Lender
  • California
ModeratorReplied

Once the prop being sold is in escrow AND your buyer's loan contingency is lifted, that prop's PITI can be excluded from DTI.



https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-6-Liability-Assessment/1736872721/B3-6-06-Qualifying-Impact-of-Other-Real-Estate-Owned-06-30-2015.htm#Current.20Principal.20Residence.20Pending.20Sale

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