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Reply to "What counts as "debt" when calculating what house I can afford?"
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[quote=Anonymous][quote=Anonymous]credit card minimum payments count towards your debt. So even if you pay off your balance every month, you will have a minimum payment which will count towards your DTI[/quote] Not if you pay off the balance before closing. Then your balance and min payment will be 0 (or at least lower, if you don't spend much in the days before closing). Might not be worth the extra effort for an extra $30 or so though.[/quote]
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