Trying to get a USDA loan with a high DTI (about 44%) Options?

It's definitely possible especially if you're credit is above 680 or have other compensating factors. You can reach out to me if you'd like to discuss further.

That should not be an issue as long as your housing ratio is somewhere around 31%, then the 44% total debt ratio should be acceptable.

As others have said,,, that DTI is within the acceptable range.. but my question is "who is calculating your DTI".. typically borrowers who attempt to do this on their own, will not calculate it correctly.. Lenders only look at Minimum Payments on DEBT.. we do not include your day to day bills.. So car loans, student loans, minimum credit card payments, etc... are counted along with the new housing payment.. but things like utilities, cell phone, cable, insurance, etc... these are not counted towards your DTI.. remember, debt vs. bills.. two different things.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347