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Freddie Mac Seller/Servicer Guide 5401.2: Monthly debt payment-to-income (DTI) ratio

Document
Freddie Mac Single-Family Seller/Servicer Guide
Section date
Future effective date
Version in Zeitro Strata
Where
pages 1265–1288 of 3376
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Refer to Bulletin 2026-10, which announced updates related to accumulated assets as income.

Freddie Mac Seller/Servicer Guide 5401.2, pages 1265–1288

Freddie Mac publishes the full text of this section: Freddie Mac Seller/Servicer Guide 5401.2 on the Freddie Mac website. Zeitro Strata answers questions about it with the passage and page cited.

What this section covers

  • (a) General requirements
  • (b) Liabilities included in the monthly DTI ratio
  • (c) Liabilities that may be excluded from the monthly DTI ratio
  • (d) Evaluating debt ratios

Guideline text quoted as published by the agency. The latest published version governs. This is not an underwriting decision.