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.
| 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.