Submarine Duty Incentive Pay (SUBPAY): 2026 Rates
How Much Is Navy Submarine Pay in 2026?
Submarine Duty Incentive Pay (SUBPAY) adds $85 to $950 per month for eligible Navy personnel under the DFAS schedule currently posted for 2026. Your amount depends on pay grade and creditable military service, while eligibility depends on qualifying continuous or operational submarine duty. The posted rates took effect October 1, 2021; they are not a separate 2026 pay raise. SUBPAY is generally taxable, and continued payment during shore duty depends on Navy rules. [1] [2] [3]
DFAS tables checked November 4, 2026 · Individual entitlement depends on Navy records
Submarine Pay at a Glance
Choose a topic for its current official figures, decision rules, and worked examples.
How Do Rates Work?
Understand why service years and submarine duty years are different.
Enlisted SUBPAY Table
Complete monthly DFAS rates for every enlisted grade.
Officer SUBPAY Table
Full commissioned officer rates, including senior-grade exceptions.
Warrant Officer Rates
Separate warrant pay table and career examples.
CONSUB vs. OPSUB
Who gets operational or continuous submarine pay.
Eligibility and Shore Duty
Training, PCS, underwater hours and continuity rules.
Sea Pay and Bonuses
Which other pay programs may apply independently.
LES and Tax Treatment
Understand earnings, allowances and tax exceptions.
Submariner Earnings
Worked monthly and annual examples for multiple grades.
Mortgage Qualification
Learn when a lender may count submarine pay.
Common Questions
Straight answers to the leading SUBPAY searches.
SUBPAY is not one flat amount for all submariners. Use the exact DFAS grade and service-year cell, then confirm the qualifying pay track on your orders and personnel record.
How to Read the 2026 Navy Submarine Pay Chart
The official SUBPAY schedule is organized by pay grade and creditable years of service, not cumulative submarine-service years.
Read the row for your pay grade and the column for years computed under 37 U.S.C. 205. This is not a count of submarine patrols or years wearing dolphins.
Your orders, submarine designation, underway activity, and continuing career eligibility determine whether the pay is owed. Years of submarine service matter to those rules, not to the DFAS table columns.
Why the Tables Say 2026
DFAS lists monthly tables effective October 1, 2021, and has not posted a newer SUBPAY rate schedule on its current pay-table page as checked November 4, 2026. These are the official rates in use for the 2026 guide, not a newly announced January 2026 raise.
How to Read Over 4
An E-5 with five creditable years uses the over-4 column, which is $275 monthly. With three creditable years, the E-5 over-2 column is $170. Grade and qualifying pay-service years both matter.
What the $1,000 Figure Means
The submarine-duty law provides a ceiling of $1,000 per month. The current DFAS published schedule tops out at $950 for certain O-5 and O-6 officers, not $1,000.
What SUBPAY Does Not Mean
It is not basic pay, BAH, BAS, Sea Duty Incentive Pay, or a guaranteed submarine bonus. Those programs have separate rules and can differ even among Sailors with the same rank.
The figures below are monthly dollars before applicable tax withholding. Compare rank-by-rank pay and other incentive categories in the Military Pay Center. [1] [2] [8] [12]
2026 Enlisted SUBPAY Rates: E-1 Through E-9
Eligible enlisted Sailors receive $85 to $600 per month under the current DFAS schedule, with individual rates based on pay grade and creditable service.
| Pay grade | ≤2 | >2 | >3 | >4 | >6 | >8 | >10 | >12 | >14 | >16 | >18 | >20 | >22 | >26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| E-1 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 | 85 |
| E-2 | 85 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| E-3 | 90 | 100 | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 | 105 |
| E-4 | 90 | 105 | 110 | 270 | 270 | 270 | 270 | 270 | 270 | 270 | 270 | 270 | 270 | 270 |
| E-5 | 155 | 170 | 170 | 275 | 315 | 315 | 315 | 315 | 315 | 315 | 315 | 315 | 315 | 315 |
| E-6 | 175 | 190 | 190 | 335 | 370 | 430 | 430 | 430 | 430 | 430 | 430 | 430 | 430 | 430 |
| E-7 | 445 | 445 | 445 | 445 | 445 | 445 | 445 | 445 | 445 | 445 | 445 | 445 | 445 | 445 |
| E-8 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 550 | 550 | 550 | 550 |
| E-9 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 450 | 600 | 600 | 600 | 600 |
The grid includes all 14 DFAS creditable-service brackets. On a phone, swipe across the table to see older-service columns. These rates remain the rates shown on the DFAS table checked November 4, 2026. [1]
E-3, 1 Year
The E-3 rate is $90 per month at two creditable years or less, not the $100 entry rate used in the old chart. That is $1,080 over 12 full qualifying months.
E-5, 5 Years
An E-5 with five creditable years receives $275 per month if eligible. The annualized amount is $3,300, and an eligible assignment change could affect continuation.
E-6, 7 Years
At over six but not over eight creditable years, an E-6 uses the $370 bracket. That is $4,440 for 12 qualifying months, not $350 as the prior three-tier chart implied.
E-9, 19 Years
At over 18 creditable years, an E-9 uses $600 per month, or $7,200 annualized. A senior rank does not uniformly imply that rate before the published service threshold.
2026 Officer SUBPAY Rates: O-1 Through O-10
Commissioned-officer SUBPAY ranges from $255 to $950 on DFAS tables, and higher pay grades do not always receive higher SUBPAY.
| Pay grade | ≤2 | >2 | >3 | >4 | >6 | >8 | >10 | >12 | >14 | >16 | >18 | >20 | >22 | >26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| O-1 | 255 | 255 | 255 | 255 | 255 | 255 | 470 | 470 | 470 | 470 | 470 | 470 | 470 | 470 |
| O-2 | 335 | 335 | 335 | 335 | 335 | 335 | 470 | 470 | 470 | 470 | 470 | 470 | 470 | 470 |
| O-3 | 390 | 390 | 390 | 560 | 655 | 805 | 805 | 805 | 805 | 805 | 805 | 805 | 805 | 805 |
| O-4 | 400 | 400 | 400 | 580 | 655 | 805 | 805 | 805 | 880 | 880 | 880 | 880 | 880 | 880 |
| O-5 | 655 | 655 | 655 | 655 | 655 | 655 | 655 | 655 | 880 | 930 | 950 | 950 | 950 | 950 |
| O-6 | 660 | 660 | 660 | 660 | 660 | 660 | 660 | 660 | 660 | 660 | 950 | 950 | 950 | 950 |
| O-7 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 |
| O-8 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 |
| O-9 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 |
| O-10 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 | 355 |
Unlike the original article, the correct officer chart includes O-1 through O-10, not an undifferentiated O-4-and-above tier. The highest posted rate is $950, available to O-5 officers beyond 18 years and O-6 officers beyond 18 years in the DFAS schedule. For O-7 through O-10, the published row is $355 at every creditable-service bracket. [1]
O-1, 2 Years or Less
$255 per month under the current chart, rather than $125. The annualized addition at 12 full qualifying months is $3,060.
O-4, 9 Years
$805 monthly using the over-8 column, equivalent to $9,660 over 12 qualifying months. The original $550 ceiling was not correct.
O-6, 19 Years
$950 monthly at over 18 years, or $11,400 for 12 months, subject to satisfying the separate program eligibility requirements.
Officer qualifying paths also differ by designator and career history. A staff corps officer may qualify for operational submarine pay without being eligible for continuous submarine pay. Consult the Navy program instruction rather than inferring entitlement from a grade alone. [2] [3] [4]
2026 Warrant Officer SUBPAY Rates
DFAS publishes a separate warrant-officer table; W-1 through W-5 rates run from $320 to $475 monthly and share the same brackets.
| Pay grade | 2 years or less | Over 2 to 3 years | Over 3 to 4 years | Over 4 years |
|---|---|---|---|---|
| W-1 | 320 | 420 | 420 | 475 |
| W-2 | 320 | 420 | 420 | 475 |
| W-3 | 320 | 420 | 420 | 475 |
| W-4 | 320 | 420 | 420 | 475 |
| W-5 | 320 | 420 | 420 | 475 |
All five warrant-officer grades use the same published amounts in these creditable-service brackets: $320, $420, $420, and $475. The $475 amount continues through every subsequent DFAS longevity column beyond four years. Warrant status does not establish eligibility by itself, and the Navy has specific designator and qualification criteria. [1] [3]
W-2 at Five Years
A qualifying W-2 with five creditable years uses $475 monthly, or $5,700 across 12 eligible months.
Prior Submarine Service
An officer or warrant officer with prior enlisted submarine experience should ask the personnel office to check the applicable designator, submarine service entry date, and continuous-pay eligibility rather than relying solely on pay grade.
CONSUBPAY vs. OPSUBPAY: What Is the Difference?
Both submarine-pay programs use the DFAS monthly amounts, but continuous career pay and operational submarine duty pay have distinct eligibility rules and cannot be collected for the same period.
Continuous Submarine Duty Skill Incentive Pay may apply to qualifying career submarine personnel, including certain time ashore, when the required designation, service commitment, physical status, and milestones are maintained.
Operational Submarine Duty Incentive Pay applies to eligible members who perform qualifying submarine duty under orders but are not entitled to CONSUBPAY. Operational or staff underway-time requirements can determine payment.
One Type at a Time
You cannot collect CONSUBPAY and OPSUBPAY for the same period. These tracks use the same DFAS rate tables but are not two separate monthly amounts to add together.
Qualifications Are Not Just Dolphins
Navy rules include specific submarine duty designators, training pipelines, staff positions, obligated service and physical qualification. Some members can qualify while in approved training; others need operational time.
Career Milestones
Continuous-pay continuation can depend on Total Operational Submarine Service (TOSS) at designated 12- and 18-year submarine-service checkpoints. These are different from the DFAS pay-table longevity columns.
Underway Staff Time
Some operational command-staff cases use 48 hours in one month or documented multi-month alternatives, under the detailed Navy and legal rules. Do not apply that staff standard as a universal rule for every crew billet.
Navy program instructions govern which track applies to your record. A short patrol assignment does not prove eligibility for continuous pay, and a qualified career submariner is not necessarily restricted to pay only while underway. [2] [3] [4] [8]
Who Qualifies, Including Training, Shore Duty, and PCS?
Submarine-pay eligibility depends on qualifying orders and a Navy-defined career or operational track, not a universal requirement to be underway every month.
| Situation | Potential SUBPAY treatment | What to verify |
|---|---|---|
| Serving aboard a submarine | CONSUBPAY or OPSUBPAY may apply | Designator, orders, career or operational eligibility |
| Nuclear submarine training pipeline | Some training qualifies | Qualifying orders, service entry date and program rules |
| Submarine off-crew assignment | May remain qualifying | Official submarine assignment and crew classification |
| Submarine-related shore billet | CONSUBPAY may continue for eligible career personnel | Obligated service, projected rotation date and TOSS |
| Operational staff ride | OPSUBPAY may depend on actual underway ride time | Recorded hours and staff command rules |
| Transfer to unrelated shore assignment | Not automatically eligible; continuation depends on track | Career eligibility, orders and follow-on obligation |
| Leaving the submarine community | Pay may stop | Effective termination and administrative action |
The Navy instruction specifies that eligible enlisted career submariners serving ashore may need obligated service extending at least 18 months beyond the shore duty projected rotation date. This is a continuing condition, not a general authorization to collect SUBPAY at any shore command. [3]
Before Detaching
Save orders, the last few LES statements, submarine designator information, and any TOSS or required service worksheets. Confirm the right pay track before the next assignment starts.
After Reporting
Check the first LES at the new command. A missing or unexpected entitlement may reflect a personnel transaction that has not been completed or a genuine eligibility change.
If Pay Stops
Ask the command pay/personnel administrator to review the stop date, orders, qualifying history, and whether CONSUBPAY should continue or OPSUBPAY should be started.
Can SUBPAY Stack With Sea Pay, SDIP, and Bonuses?
SUBPAY may be paid alongside another independently authorized entitlement, but it must not be confused with Sea Duty Incentive Pay or double-counted as both CONSUBPAY and OPSUBPAY.
| Pay or benefit | What it rewards | Can it coexist with SUBPAY? |
|---|---|---|
| Submarine duty pay | Qualified operational or continuing submarine duty | Only one SUBPAY track for a given period |
| Career Sea Pay | Eligible qualifying sea duty | Potentially, if both entitlements independently apply |
| Sea Duty Incentive Pay (SDIP) | Voluntary sea-tour extension or accelerated return to sea for eligible billets | Separate Navy program; verify specific authorization |
| Nuclear officer or reenlistment bonus | Specific contract or retention commitment | Separate qualification and payment rules |
| Hazardous Duty Incentive Pay | Specified hazardous duty | Depends on distinct duty and concurrent-pay rules |
| Aviation Career Incentive Pay | Qualified aviation service | Separate eligibility and career track |
SUBPAY Is Not SDIP
Sea Duty Incentive Pay, abbreviated SDIP, is a different Navy incentive for eligible Sailors filling sea billets. Do not confuse it with SUBPAY or treat an SDIP quote as a submarine duty pay rate.
Career Sea Pay Requires Its Own Test
A submariner who is on qualifying sea duty may also receive Career Sea Pay, but sea pay amounts, premiums, and entitlement depend on the separately applicable rules. Submarine pay never guarantees sea pay.
For related programs, see Aviation Career Incentive Pay and Hazardous Duty Incentive Pay. Navy SDIP eligibility is updated independently, and the 2026 special pay guide helps put separate incentives into context. [9] [10] [13]
Is SUBPAY Taxable and How Does It Appear on an LES?
Submarine duty incentive pay is generally taxable military compensation, recorded separately from base pay and allowances on the Leave and Earnings Statement.
Ordinary Federal Tax Treatment
The IRS lists submarine incentive pay in taxable government compensation. It generally increases taxable wages and can affect withholding. BAS and qualifying BAH are treated differently.
Combat Zone Tax Exclusion
Qualifying service in an IRS-recognized combat zone or related area can change treatment. For commissioned officers, the exclusion is subject to a ceiling; merely being deployed on a submarine is not enough to establish an exclusion.
| LES element | Usual treatment | Practical check |
|---|---|---|
| Basic pay | Generally taxable | Separate from all special pays |
| SUBPAY | Generally taxable incentive pay | Compare amount with grade and pay-service bracket |
| BAS | Generally tax-excluded subsistence allowance | Confirm current entitlement and meal deductions separately |
| BAH | Generally tax-excluded housing allowance | Depends on assignment and dependent status |
| Career Sea Pay | Generally taxable special pay | Check independent eligibility and rate |
For 2026 the standard enlisted BAS published by DFAS is BAS at $476.95 per month. It is not a submarine-only bonus and must not be counted as additional SUBPAY. Read your LES statement to distinguish entitlements, deductions, and net pay. [5] [7] [11]
How Much Do Navy Submariners Make? Worked Examples
SUBPAY adds $85 to $950 per eligible month to a Sailor’s other compensation, but total submarine earnings depend on basic pay, housing, subsistence, separate incentives, and assignment.
Example A: New Enlisted Submariner
An eligible E-3 with one creditable year uses $90 per month. At 12 eligible months, that is $1,080 per year. Being assigned to a submarine does not change the published basic-pay table or guarantee other special payments.
Example B: E-5 Career Builder
An eligible E-5 at five creditable years receives $275 per month, or $3,300 per year. With the standard 2026 enlisted BAS of $476.95, these two distinct items total $751.95 monthly, but BAS is not submarine-specific compensation.
Example C: E-6 With Sea Pay
An eligible E-6 with seven creditable years receives $370 per month of SUBPAY. If the separate sea pay determination also authorizes a hypothetical $200 monthly, the combined special pays are $570 monthly. The $200 is an illustrative input, not a quoted Navy CSP rate.
Example D: O-4 At Nine Years
A qualifying O-4 officer with nine creditable years uses $805 per month, $9,660 for 12 eligible months. This is $255 higher monthly than the old page erroneously called its officer maximum.
Example E: Warrant Officer
A qualifying W-2 with five creditable years uses $475 per month, or $5,700 for 12 eligible months. The warrant-officer table was entirely missing from the original post.
Example F: Senior Officer
An eligible O-6 at 19 creditable years uses $950 per month, or $11,400 for a full 12 eligible months. The statutory ceiling of $1,000 does not increase the actual published DFAS rate.
These are arithmetic illustrations using the current posted DFAS schedule. They do not establish any individual entitlement, total submarine salary, retention bonus, BAH amount, or future assignment continuation. For an accurate total salary, start with the separate basic pay, BAH, BAS, and authorized special-pay lines on the LES. [1] [7] [8]
Does Submarine Pay Count Toward a VA Home Loan?
VA mortgage lenders may include verified submarine pay if its past receipt and expected continuation support stable, reliable effective income; receipt on one LES alone is not sufficient.
Submarine and sea pay may count as effective income when verified, received over a prolonged period, and expected to continue because of the nature of assigned duties. The lender can seek command confirmation.
An LES line item alone does not prove that submarine pay will continue after a PCS, release from active duty, or reassignment. Lenders evaluate stability, documentation, and overlays case by case.
Existing Submarine Assignment
A borrower with recurring SUBPAY, stable orders, and a reasonable expectation of continuation can present the history plus current assignment documents. Lender underwriting still decides whether it can be included.
Approaching Shore Duty or Separation
If SUBPAY may stop, do not assume the lender will count it. An income estimate should also model the budget after the payment disappears, even if a lender accepts it now.
Submarine Pay Plus BAS and BAH
A lender analyzes each separately: basic pay, verified military allowances, taxable incentive pay, and current BAH with its potential geographic change. A non-taxable allowance is not interchangeable with SUBPAY.
Prior VA Loan or Refinance
Refinance and purchase borrowers should compare actual financing costs, verified income, and long-term affordability. The VA funding fee calculator covers program charges that are unrelated to submarine pay.
Show the recurring SUBPAY amount, grade and longevity alongside basic pay and allowance entries.
Provide current orders, obligated service or an appropriate command verification of expected duty and compensation.
Ask whether the lender is including submarine pay, and whether any future PCS or separation affects the calculation.
Stress-test the mortgage payment against post-transfer or post-service income, rather than relying solely on maximum SUBPAY.
VA Handbook guidance specifically mentions submarine and sea pay among allowances requiring a history and expected continuation. Read the deeper guide to using Military pay to qualify, the VA loan requirements, and the Certificate of Eligibility guide for related eligibility questions. [6]
When submitting information to request an individualized quote, review the site’s Privacy Policy and Terms of Use so you understand how inquiry information is handled. VA does not promise a mortgage approval based on submarine duty or special pay.
Frequently Asked Questions About Navy SUBPAY
These answers clarify the highest-impression questions about submarine pay amounts, rate charts, eligibility, taxes, and VA loan income.
What Is SUBPAY in the Navy?
SUBPAY is submarine duty incentive pay, paid to eligible Navy personnel on qualifying continuous-career or operational submarine duty tracks. DFAS rates depend on pay grade and creditable service, and the entitlement depends on Navy orders and program criteria.
How Much Is Submarine Pay in 2026?
The current DFAS schedule ranges from $85 per month for certain junior enlisted pay grades to $950 for certain O-5 and O-6 officers. These tables were effective October 1, 2021 and remained the published rates checked November 4, 2026.
What Is the Maximum SUBPAY Rate?
The highest rate on the current DFAS table is $950 per month. Federal law permits a $1,000 monthly ceiling, but that ceiling is not itself the rate payable to any member.
Does SUBPAY Use Years of Submarine Service or Military Service?
The DFAS rate table columns use creditable years of service computed under 37 U.S.C. 205. Separate submarine-service years and TOSS milestones affect eligibility, particularly continuous career pay.
What Is the SUBPAY Rate for an E-5?
It varies with creditable service: $155 at two years or less, $170 over two or three years, $275 over four years, and $315 over six years and later, subject to eligibility.
What Is the SUBPAY Rate for an E-6?
DFAS shows $175 at two years or less, $190 over two or three, $335 over four, $370 over six and $430 over eight years and later, if otherwise eligible.
How Much SUBPAY Does an E-9 Receive?
DFAS lists $450 monthly through the over-16-year bracket and $600 from the over-18-year bracket, subject to program eligibility.
Can an O-4 Receive More Than $550 in Submarine Pay?
Yes. A qualifying O-4 at over eight years gets $805 monthly, and at over 14 years $880 under the published rate table.
Do Warrant Officers Receive Submarine Pay?
Yes, if they meet applicable Navy eligibility criteria. DFAS lists W-1 through W-5 at $320 to $475 monthly based on creditable years of service.
Do You Need Submarine Dolphins to Receive SUBPAY?
Not in every case. Some qualifying Navy training and duty statuses can be covered. Program eligibility follows duty designators, training, orders, physical status and career or operational criteria, not just possession of insignia.
Can You Keep SUBPAY During Shore Duty?
Sometimes. Qualifying career submarine personnel may continue CONSUBPAY on eligible shore assignments when obligated-service and other requirements are maintained. OPSUBPAY has different operational-duty rules.
What Is the Difference Between CONSUBPAY and OPSUBPAY?
CONSUBPAY supports qualifying career submariners; OPSUBPAY covers qualifying operational submarine duty for personnel not entitled to continuous pay. Both use the same rate tables, but cannot be paid together for the same period.
Can Submarine Pay and Navy Sea Pay Be Received Together?
Potentially. A Sailor separately meeting Career Sea Pay and SUBPAY rules may receive both. Do not assume either entitlement without checking qualifying sea-duty and submarine-duty statuses.
Is SUBPAY the Same as Sea Duty Incentive Pay?
No. Navy Sea Duty Incentive Pay (SDIP) is a separate program aimed at designated gapped sea-duty billets and sea-tour decisions. It is not the monthly submarine duty pay table.
Is Submarine Pay Tax-Free?
Usually no. The IRS lists submarine incentive pay as taxable compensation. Eligible combat-zone service can create an exclusion, subject to IRS requirements and officer limits.
Does SUBPAY Appear on the LES?
It is a separately identifiable military pay entitlement on pay records. Check the earnings and retroactive adjustment entries and ask the command or pay office to investigate an unexpected omission.
Does SUBPAY Count as VA Loan Income?
It may. VA underwriting requires verification of the amount, history and reasonable continuation. Lenders may exclude it if reassignment, shore duty or separation means it will end.
What Happens if My Submarine Pay Stops After a PCS?
Review the orders and effective date, then ask the personnel or pay office whether the right CONSUBPAY or OPSUBPAY track was used. A stop may be correct, or it may need documentation and correction.
Sources and Verification Notes
DFAS provides current posted rate tables; the December 2025 DoD FMR and Navy instruction govern eligibility. Numbers are not described as a new 2026 pay raise.
- DFAS: Submarine Duty Pay Tables ↗
- DoD FMR Volume 7A, Chapter 23: Submarine Duty Pay ↗
- Navy OPNAVINST 7220.15B: Submarine Duty Incentive Pay Program ↗
- Navy: Operational Submarine Duty Pay SOP ↗
- IRS Publication 3: Armed Forces Tax Guide ↗
- VA Lenders Handbook M26-7, Chapter 4: Credit Underwriting ↗
- DFAS: Basic Allowance for Subsistence Rates ↗
- Office of Law Revision Counsel: 37 U.S.C. 301c ↗
- Office of Law Revision Counsel: 37 U.S.C. 305a ↗
- MyNavy HR: Sea Duty Incentive Pay (SDIP) ↗
- DFAS: Leave and Earnings Statement Information ↗
- MyNavy HR: Enlisted Submarine Pay ↗
- DoD Military Compensation: Special and Incentive Pays ↗
- VA: Funding Fee and Closing Costs ↗
Verify Your Submarine Pay Before You Plan a Mortgage.
Confirm your real LES earnings and future assignment, then compare VA loan options using income a lender can document and reasonably expect to continue.