Whats the max DTI i can have for a mortgage? mine is 39%

55% for FHA

39% would be perfect. No worries in that regard! Most lenders like to cap you at the QM guidelines which are 45% back end ratio. However, there are exceptions... (:

46 for housing, 56% max total for FHA. 45% for DU, 50% for LP.

I am a lender and support Kim's answer versus the other two answers that I see. In my opinion, the real real question is what will my lender use when calculating my DTI. A 39% DTI, would be totally acceptable. The question is are you using the same numbers your lender will use. I am an Ohio Lender and if you wish to discuss your specifics, you will find my contact information on my profile page.