Mortgage Debt-to-Income Ratio – Conventional, FHA, VA, USDA Loan DTI

DTI Ratio

The Debt-to-Income Ratio, also known as “DTI Ratio”, are simply a couple of percentage representing applicant debt compared to their total income. Lenders use mortgage debt-to-income ratio percentages to evaluate a borrowers ability to repay them as agreed. Maximum debt-to-income ratios may vary based upon the mortgage program and the lender. Read More

Smart Tips for Self-Employed Mortgage Applicants

Mortgage Application Tips

If you’re self-employed, getting approved for a mortgage is more complicated than getting approved with a traditional job paying W-2 income. There are usually few key differences that self-employed applicants should prepare for in advance to make the process smoother. Read More

Wyoming VA Loan Limits

Wyoming VA loans are a zero-down mortgage program available for veterans and qualified spouses to purchase or refinance a home.  Maximum VA mortgage limits range from $417,000 to $630,000 across the state of WY. Veterans may also want to visit these additional VA mortgage resources before deciding on a loan program:

Search maximum VA loan limits in Wyoming using the chart below. VA limits can change on short notice so check back often to ensure accurate information.

Wyoming VA Loan Limits

County Name
Limit
ALBANY$424,100
BIG HORN$424,100
CAMPBELL$424,100
CARBON$424,100
CONVERSE$424,100
CROOK$424,100
FREMONT$424,100
GOSHEN$424,100
HOT SPRINGS$424,100
JOHNSON$424,100
LARAMIE$424,100
LINCOLN$424,100
NATRONA$424,100
NIOBRARA$424,100
PARK$424,100
PLATTE$424,100
SHERIDAN$424,100
SUBLETTE$424,100
SWEETWATER$424,100
TETON$636,150
UINTA$424,100
WASHAKIE$424,100
WESTON$424,100

Wisconsin VA Loan Limits

Wisconsin VA loans are a zero-down mortgage program available for veterans and qualified spouses to purchase or refinance a home. Maximum VA mortgage limits are set at $417,000 across the state of WI. Veterans may also want to visit these additional VA mortgage resources before deciding on a loan program:

Search maximum VA loan limits in Wisconsin using the chart below. VA limits can change on short notice so check back often to ensure accurate information.

Wisconsin VA Loan Limits

County Name
Limit
ADAMS$424,100
ASHLAND$424,100
BARRON$424,100
BAYFIELD$424,100
BROWN$424,100
BUFFALO$424,100
BURNETT$424,100
CALUMET$424,100
CHIPPEWA$424,100
CLARK$424,100
COLUMBIA$424,100
CRAWFORD$424,100
DANE$424,100
DODGE$424,100
DOOR$424,100
DOUGLAS$424,100
DUNN$424,100
EAU CLAIRE$424,100
FLORENCE$424,100
FOND DU LAC$424,100
FOREST$424,100
GRANT$424,100
GREEN$424,100
GREEN LAKE$424,100
IOWA$424,100
IRON$424,100
JACKSON$424,100
JEFFERSON$424,100
JUNEAU$424,100
KENOSHA$424,100
KEWAUNEE$424,100
LA CROSSE$424,100
LAFAYETTE$424,100
LANGLADE$424,100
LINCOLN$424,100
MANITOWOC$424,100
MARATHON$424,100
MARINETTE$424,100
MARQUETTE$424,100
MENOMINEE$424,100
MILWAUKEE$424,100
MONROE$424,100
OCONTO$424,100
ONEIDA$424,100
OUTAGAMIE$424,100
OZAUKEE$424,100
PEPIN$424,100
PIERCE$424,100
POLK$424,100
PORTAGE$424,100
PRICE$424,100
RACINE$424,100
RICHLAND$424,100
ROCK$424,100
RUSK$424,100
SAUK$424,100
SAWYER$424,100
SHAWANO$424,100
SHEBOYGAN$424,100
ST. CROIX$424,100
TAYLOR$424,100
TREMPEALEAU$424,100
VERNON$424,100
VILAS$424,100
WALWORTH$424,100
WASHBURN$424,100
WASHINGTON$424,100
WAUKESHA$424,100
WAUPACA$424,100
WAUSHARA$424,100
WINNEBAGO$424,100
WOOD$424,100

West Virginia VA Loan Limits

West Virginia VA loans are a zero-down mortgage program available for veterans and qualified spouses to purchase or refinance a home.  Maximum VA mortgage limits range from $417,000 to $692,500 across the state of WV. Veterans may also want to visit these additional VA mortgage resources before deciding on a loan program:

Search maximum VA loan limits in West Virginia using the chart below. VA limits can change on short notice so check back often to ensure accurate information.

West Virginia VA Loan Limits

County Name
Limit
BARBOUR$424,100
BERKELEY$424,100
BOONE$424,100
BRAXTON$424,100
BROOKE$424,100
CABELL$424,100
CALHOUN$424,100
CLAY$424,100
DODDRIDGE$424,100
FAYETTE$424,100
GILMER$424,100
GRANT$424,100
GREENBRIER$424,100
HAMPSHIRE$424,100
HANCOCK$424,100
HARDY$424,100
HARRISON$424,100
JACKSON$424,100
JEFFERSON$636,150
KANAWHA$424,100
LEWIS$424,100
LINCOLN$424,100
LOGAN$424,100
MARION$424,100
MARSHALL$424,100
MASON$424,100
MCDOWELL$424,100
MERCER$424,100
MINERAL$424,100
MINGO$424,100
MONONGALIA$424,100
MONROE$424,100
MORGAN$424,100
NICHOLAS$424,100
OHIO$424,100
PENDLETON$424,100
PLEASANTS$424,100
POCAHONTAS$424,100
PRESTON$424,100
PUTNAM$424,100
RALEIGH$424,100
RANDOLPH$424,100
RITCHIE$424,100
ROANE$424,100
SUMMERS$424,100
TAYLOR$424,100
TUCKER$424,100
TYLER$424,100
UPSHUR$424,100
WAYNE$424,100
WEBSTER$424,100
WETZEL$424,100
WIRT$424,100
WOOD$424,100
WYOMING$424,100

Washington VA Loan Limits

Washington VA loans are a zero-down mortgage program available for veterans and qualified spouses to purchase or refinance a home.  Maximum VA mortgage limits range from $417,000 to $506,000 across the state of WA. Veterans may also want to visit these additional VA mortgage resources before deciding on a loan program:

Search maximum VA loan limits in Washington using the chart below. VA limits can change on short notice so check back often to ensure accurate information.

Washington VA Loan Limits

County Name
Limit
ADAMS$424,100
ASOTIN$424,100
BENTON$424,100
CHELAN$424,100
CLALLAM$424,100
CLARK$424,100
COLUMBIA$424,100
COWLITZ$424,100
DOUGLAS$424,100
FERRY$424,100
FRANKLIN$424,100
GARFIELD$424,100
GRANT$424,100
GRAYS HARBOR$424,100
ISLAND$424,100
JEFFERSON$424,100
KING$592,250
KITSAP$424,100
KITTITAS$424,100
KLICKITAT$424,100
LEWIS$424,100
LINCOLN$424,100
MASON$424,100
OKANOGAN$424,100
PACIFIC$424,100
PEND OREILLE$424,100
PIERCE$592,250
SAN JUAN$483,000
SKAGIT$424,100
SKAMANIA$424,100
SNOHOMISH$592,250
SPOKANE$424,100
STEVENS$424,100
THURSTON$424,100
WAHKIAKUM$424,100
WALLA WALLA$424,100
WHATCOM$424,100
WHITMAN$424,100
YAKIMA$424,100

Virginia VA Loan Limits

Virginia VA loans are a zero-down mortgage program available for veterans and qualified spouses to purchase or refinance a home.  Maximum VA mortgage limits range from $417,000 to $692,500 across the state of VA. Veterans may also want to visit these additional VA mortgage resources before deciding on a loan program:

Search maximum VA loan limits in Virginia using the chart below. VA limits can change on short notice so check back often to ensure accurate information.

Virginia VA Loan Limits

County Name
Limit
ACCOMACK$424,100
ALBEMARLE$437,000
ALEXANDRIA$636,150
ALLEGHANY$424,100
AMELIA$535,900
AMHERST$424,100
APPOMATTOX$424,100
ARLINGTON$636,150
AUGUSTA$424,100
BATH$424,100
BEDFORD$424,100
BEDFORD IND$424,100
BLAND$424,100
BOTETOURT$424,100
BRISTOL$424,100
BRUNSWICK$424,100
BUCHANAN$424,100
BUCKINGHAM$437,000
BUENA VISTA$424,100
CAMPBELL$424,100
CAROLINE$535,900
CARROLL$424,100
CHARLES CITY$535,900
CHARLOTTE$424,100
CHARLOTTESVILLE$437,000
CHESAPEAKE$458,850
CHESTERFIELD$535,900
CLARKE$636,150
COLONIAL HEIGHT$535,900
COVINGTON$424,100
CRAIG$424,100
CULPEPER$636,150
CUMBERLAND$535,900
DANVILLE$424,100
DICKENSON$424,100
DINWIDDIE$535,900
EMPORIA$424,100
ESSEX$424,100
FAIRFAX$636,150
FAIRFAX IND$636,150
FALLS CHURCH$636,150
FAUQUIER$636,150
FLOYD$424,100
FLUVANNA$437,000
FRANKLIN$424,100
FRANKLIN IND$424,100
FREDERICK$424,100
FREDERICKSBURG$636,150
GALAX$424,100
GILES$424,100
GLOUCESTER$458,850
GOOCHLAND$535,900
GRAYSON$424,100
GREENE$437,000
GREENSVILLE$424,100
HALIFAX$424,100
HAMPTON$458,850
HANOVER$535,900
HARRISONBURG$424,100
HENRICO$535,900
HENRY$424,100
HIGHLAND$424,100
HOPEWELL$535,900
ISLE OF WIGHT$458,850
JAMES CITY$458,850
KING AND QUEEN$535,900
KING GEORGE$424,100
KING WILLIAM$535,900
LANCASTER$442,750
LEE$424,100
LEXINGTON$424,100
LOUDOUN$636,150
LOUISA$535,900
LUNENBURG$424,100
LYNCHBURG$424,100
MADISON$424,100
MANASSAS$636,150
MANASSAS PARK$636,150
MARTINSVILLE$424,100
MATHEWS$458,850
MECKLENBURG$424,100
MIDDLESEX$424,100
MONTGOMERY$424,100
NELSON$437,000
NEW KENT$535,900
NEWPORT NEWS$458,850
NORFOLK$458,850
NORTHAMPTON$424,100
NORTHUMBERLAND$424,100
NORTON$424,100
NOTTOWAY$424,100
ORANGE$424,100
PAGE$424,100
PATRICK$424,100
PETERSBURG$535,900
PITTSYLVANIA$424,100
POQUOSON$458,850
PORTSMOUTH$458,850
POWHATAN$535,900
PRINCE EDWARD$424,100
PRINCE GEORGE$535,900
PRINCE WILLIAM$636,150
PULASKI$424,100
RADFORD$424,100
RAPPAHANNOCK$636,150
RICHMOND$424,100
RICHMOND IND$535,900
ROANOKE$424,100
ROANOKE IND$424,100
ROCKBRIDGE$424,100
ROCKINGHAM$424,100
RUSSELL$424,100
SALEM$424,100
SCOTT$424,100
SHENANDOAH$424,100
SMYTH$424,100
SOUTHAMPTON$424,100
SPOTSYLVANIA$636,150
STAFFORD$636,150
STAUNTON$424,100
SUFFOLK$458,850
SURRY$458,850
SUSSEX$535,900
TAZEWELL$424,100
VIRGINIA BEACH$458,850
WARREN$636,150
WASHINGTON$424,100
WAYNESBORO$424,100
WESTMORELAND$424,100
WILLIAMSBURG$458,850
WINCHESTER$424,100
WISE$424,100
WYTHE$424,100
YORK$458,850

As seen in: