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Conventional Loan Debt-to-Income Ratios. Generally, the maximum debt-to-income ratio (DTI) for a conventional loan is 43%. However, exceptions can be made for DTIs as high as 50% with strong compensating factors like high credit and/or lots of cash reserves.
Prospective borrowers can safely assume that for loans up to $417,000, they are better off with the conventional than with the FHA. On the $600, 000 loan, however, the results are mixed. At a credit score of 640, a borrower cannot qualify for a $600,000 conventional loan.At 740 and 800, the cost of a conventional loan is smaller with loan-to-value ratios of 90 or less, but at a ratio of 95, the cost of the conventional is larger. This mixed result would hold for any loan amount greater than $417,000.n the $600, 000 loan, however, the results are mixed. At a credit score of 640, a borrower cannot qualify for a $600,000 conventional loan. At 740 and 800, the cost of a conventional loan is smaller with loan-to-value ratios of 90 or less, but at a ratio of 95, the cost of the conventional is larger.