Program Bulletin #2020-10
Maximum Debt-to-Income Ratio for
All Borrowers Increasing to 45%
Effective for all loans rate locked on or after November 2, 2020, the maximum total Debt-to-Income (DTI) ratio cannot exceed 45.00%, regardless of the automated underwriting decision or compensating factors. Loans rate locked prior to November 2nd will be subject to the existing maximum DTI of 43.00% 

Please refer to each first loan’s Program Handbook for acceptable automated underwriting system (AUS) decisions.    


Please see the program bulletin below for all the details:

California Housing Finance Agency | www.calhfa.ca.gov