: Beyond salary, you can include alimony, child support, and tax credits to boost your qualifying income.
: Total monthly debts divided by gross monthly income. While many lenders prefer a DTI below 36%, Federal Housing Administration (FHA) loans may allow up to 50%. single parent buying a home
: Higher scores (740+) secure better rates. However, programs like FHA accept scores as low as 500 with a 10% down payment or 580 with 3.5% down. : Beyond salary, you can include alimony, child