Fannie, Freddie, FHA, VA & USDA- HOA Fees: Realtors in our area are talking about a new program that does not count the HOA fees. Does any agency allow that?

Answer: Fannie & Freddie say: Fannie and Freddie allow a seller (or an interested party contribution) to pay up to 12 months of HOA dues for the borrower, but they do not indicate that the payments may be excluded from DTI.  You would still have to qualify the borrower with the HOA fees in the [...]