Every since the subject of these increased limits came up, I’ve been trying to figure out what the DTI limits are. Evidently that is not a clear cut answer. If you go to Fannie’s site and use their calculator “what can I afford”, it spits back a DTI of 45%!! That’s friggin’ nuts, works out to about 75% of take home pay. These govt loans are not nearly as conservative as some think they are. The 45% used to be 32% last time I bought a house.