Antique 97 Loan vs FHA: Whats The difference? A traditional 97 is not necessarily the identical to an FHA loan. It is managed from the various other companies, whilst applications have numerous parallels. Antique 97 vs FHA Comparison Debt-to-money (DTI) ratio: You prefer an effective forty five% DTI or all the way down to possess Conventional 97; FHA allows an effective DTI around 56%. Mortgage cost: Comparable for first-time homeowners from the or less than 100% of their area’s average earnings (120% from inside the highest-pricing areas). In the event you make more than those limitations, Antique 97 possess higher rates.