Housing as a percent of income?

Housing as a percent of income?
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answer:Mortgage lenders figure your debt to income ratio using your net income. The figure they use includes principal, interest, taxes and insurance, if there are homeowners association dues, those will be included as well. I remember hearing once upon a time that debt to income ratios on FHA/VA loans are figured using net income, I’m not sure if that is true anymore.
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