Lenders typically prefer a DTI below 36% to 43% , though some FHA or VA programs allow up to 50%.
Buying your first home in 2026 is becoming more approachable as the market shifts toward a . While home prices and interest rates remain high, they are stabilizing, and in some regions—particularly the Midwest and Northeast —affordability is improving relative to wage growth. 1. Solidify Your Financial Foundation how to go about buying your first home
The down payment is only part of the initial cash you'll need. Lenders typically prefer a DTI below 36% to