11/04/2025
Effective November 4, 2025, USDA is adjusting the maximum PITI ratio for the Single-Family Housing Guaranteed Loan Program (SFHGLP) from 34% to 29%.
The adjusted 29% maximum PITI ratio applies to applications that have not received a Conditional Commitment prior to November 4, 2025, and applications that have received Conditional Commitment prior to the effective date of this change but are released and/or resubmitted in GUS on or after November 4, 2025.
A higher PITI ratio may be permissible under the following circumstances:
- A GUS “Accept” recommendation is received; or
- The application meets the requirements for a ratio waiver:
- A maximum PITI ratio of 32%; and
- Minimum credit score of 680 for all applicants; and
- The applicants meet at least one of the acceptable compensating factors described in HB-1-3555, Chapter 11, Section 11.3.
Please contact your Sales Representative with any questions.