Conventional Debts & DTI
The debt showing on a credit report is not always the debt that must be used in qualifying—and some obligations cannot simply be ignored because only a few payments remain.
Explore Debts & DTI
Student loans
Fannie $0 IDR vs. deferred/forbearance and Freddie's different treatment.
Debts paid by others
When another person's payment history can remove debt from DTI.
Installment debt
The 10-month rule—and why fewer than 10 payments is not always enough.
Lease payments
Why auto leases usually stay in DTI through expiration.
Revolving & 30-day accounts
Minimum payments, payoff and open charge accounts.
HELOC payments
When a HELOC creates a recurring monthly obligation.
Business debt in borrower's name
When a company-paid debt can potentially be excluded.
Paying debt off to qualify
What can be excluded and what the lender still has to evaluate.
Official guide baseline
Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide
Debt treatment can change with documentation, remaining term and AUS feedback. Current agency guide controls.