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“can I get a mortgage while paying child support”
Child support is a fixed monthly obligation that lenders include in your DTI, but it does not prevent mortgage qualification. Many parents paying child support buy homes by choosing the right program and managing their overall debt picture.
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- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Child support takes a large portion of incomeSolution exists
- 2Combined with other debts pushes DTI highSolution exists
- 3Concerned lenders will view obligation negativelySolution exists
- 4Unsure how support affects qualification mathSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
FHA High DTI Allowance
FHA allows up to 57% DTI including child support, giving you more room to qualify.
Available nowStrategic Debt Reduction
Paying off one car payment or credit card can offset the child support DTI impact and unlock qualification.
May take timeVA Benefits for Veterans
VA loans have no hard DTI cap, evaluating residual income instead. Child support is included but VA's method is more flexible.
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(248) 864-2200Paying child support? You can still own a home.
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Frequently Asked Questions
Child support is included as a monthly debt obligation in your DTI calculation. A $500/month obligation reduces your qualifying amount by roughly $80,000-$100,000 for conventional loans, but FHA and VA flexibility can offset this.
Yes. The key is managing your other debts to keep total DTI within program limits. Eliminating other monthly obligations frees room for child support in the calculation.
If child support has less than 10 months remaining, some lenders exclude it from your DTI calculation entirely, which can significantly boost your qualification.
Paying child support? You can still own a home.
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