Maximum DTI for a conforming loan 43%, but getting conflicting answers from brokersI want to get the $417,000 conforming loan and I understand that max DTI allowed is 43%.Some brokers tell me that's that the max dti for total debt and the dti for housing cost is lower around 36-38%. Others tell me that this "front-end" dti doesn't matter and the 43% is the only ratio that counts.I have no debts and FICO 790+. I will be putting down 10% on the property and paying closing costs cash.So, which DTI will really be used when underwriting a loan? For me the difference between 38% and 43% is an absolute dealbreaker. December 29 2013 - Valley0YesReport 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.