Conventional financing requires debt-to-income ratio of 28/36, VA limits are only calculated with one DTI of 41, FHA requires DTI typically 31/43 USDA requires 29/41 DTI

What is a USDA rural development loan? A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed [...]

https://www.consumerfinance.gov/owning-a-home/loan-estimate/

https://s3.amazonaws.com/files.consumerfinance.gov/f/documents/201612_cfpb_HomebuyersMilestoneMap.pdf