RHS issued a SFH Guaranteed Origination Notice (Notice) updating Principal, Interest, Taxes, and Insurance Ratio (PITI) guidelines. Per the Notice, the maximum 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 met the requirements for a debt ratio waiver, which means meeting all 3 of the following circumstances:
  • A maximum PITI ratio of 32%,
  • The credit score of all applicants is 680 or greater, AND
  • The applicants demonstrate at least 1 of the acceptable compensating factors described in RHS 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.

Click to view the RHS SFH Guaranteed Origination Notice: https://www.tenaco.com/wp-content/uploads/2025/09/RHS-SFH-Guaranteed-Origination-Notice-09-16-25.pdf