Better to decrease DTI or make a larger down-payment?I am a little while off from buying a home but am doing my research early. I was wondering if, from a financial perspective, it would be better to pay off some of my student loans, so as to reduce my DTI, or to save that money and put it towards a down payment on a house. Does DTI or %down have a bigger impact on loan terms? According to the Zillow Affordability Calculator, I could afford more home by reducing my DTI to zero rather than putting that money towards increasing a down payment, but I figured someone here may know something more about this. Thanks for the help!November 06 2013 - Los Angeles00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.