It depends on how far along the sale is. A listing alone, even an exclusive one, doesn't remove the payment from your DTI. If your current home hasn't actually sold yet, its full housing payment generally has to be counted against your debt-to-income ratio when you qualify for the new purchase. There is a documented exception. Under Fannie Mae guidelines, if the departing residence is under an executed sales contract and the financing contingencies have been cleared, you can document that and exclude its payment from your ratios. The written evidence of cleared financing contingencies is what lets the lender drop the payment. An accepted offer by itself doesn't do it. Confirm the current documentation requirements, since these guidelines get updated periodically. Outside that exception, some bridge-loan-style products can exclude a departing residence that's under contract, but for most standard loan programs an unsold home's payment stays in your DTI. If the timing is tight, the practical paths: - Qualify carrying both payments. - Time your sale so contingencies are cleared before you need to close. - Look at a product built for the overlap. Which one fits comes down to your numbers, so it's worth mapping in the free Roadmap conversation (about 20 minutes) where we run your real numbers: /roadmap.