SFH Guaranteed Origination
September 16, 2025
Update to PITI Ratio Guidelines
Following a review of the credit standards for the Single Family Housing Guaranteed Loan Program (SFHGLP), the maximum Principal, Interest, Taxes, and Insurance (PITI) ratio is being adjusted to 29%. A higher PITI ratio may be permissible under the following circumstances:
- The application submission receives an “Accept” or “Accept Full Documentation” underwriting recommendation from the Agency’s automated underwriting system (GUS); or
- The application meets the requirements for a ratio waiver, including:
- A maximum PITI ratio of 32%;
- The credit score of all applicants is 680 or greater; and
- The applicants demonstrate at least one of the acceptable compensating factors described in HB-1-3555, Chapter 11, Section 11.3.
The effective date for the adjustment of the PITI ratio guideline is November 4, 2025.
Any applications which have not received a Conditional Commitment prior to November 4, 2025, will adhere to the adjusted 29% guideline. In addition, any applications which have received a Conditional Commitment prior to the effective date of this change but are released and/or resubmitted in GUS on or after November 4, 2025, will adhere to the adjusted 29% guideline.
Questions regarding program policy and this announcement may be directed to sfhgld.program@usda.gov or (833) 314-0168.
Thank you for supporting the Single-Family Housing Guaranteed Loan Program!
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