Yes. A documented IRS installment agreement is workable on nearly every major loan program. Across FHA, VA, USDA, Fannie Mae, and Freddie Mac, an established payment plan for back federal taxes is generally acceptable, with the monthly payment counted in your debt-to-income ratio like any other bill. A few program specifics: - FHA wants the agreement current and generally about three months of payments already made. - A recorded federal tax lien is a separate, heavier issue on any program, so if a lien exists, flag it to your lender early. - Delinquent federal debt with no agreement in place can block an FHA loan outright, since it shows up in the federal database FHA lenders are required to check. The main exception is jumbo financing. Many jumbo lenders set their own stricter overlays and will not accept a borrower who owes back taxes at all, even on a plan, so ask that question early if you are shopping in jumbo territory. Practical steps: formalize the agreement with the IRS rather than relying on an informal arrangement, keep records of the payments you have made, and hand the plan documentation to your lender up front. Guidelines change, so confirm the current requirement for your loan type. And if your situation is anything but simple, the free Roadmap conversation (about 20 minutes) is where we can map exactly how the payment plan affects your numbers before you shop.