Can I get an FHA loan with a front-end ratio of 20% but a back-end ratio of 46%?I have a credit score of 678, a down payment of 3.5%, loan would be $117K and $2K seller-paid closing costs. Not a whole lot of extra cash in savings though. I also have a 100% on-time payment track record for the last 5 or so years. February 23 2012 - Mt. Washington00YesReport 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.